Home Insurance in Marinette County, Wisconsin
Homes in Marinette County carry a median value of $158,600 - 40% lower than the Wisconsin median.
The typical home in Marinette County was built around 1975. About 32% of homes were built before 1960, about 1 point below Wisconsin's 33%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Marinette County is 81% single-family homes, 5% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Marinette County, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Marinette County has an owner-occupancy rate of 82% and a vacancy rate of 35%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 49% of homes in Marinette County are primarily heated with natural gas.
The top hazards for Marinette County, per FEMA's National Risk Index, are hail (Relatively Moderate), inland flooding (Relatively Low) and winter weather (Relatively Moderate).
As of September 2026, Marinette County has 84 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Wisconsin is $923 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $158,600 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Inland Flooding (Relatively Low), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 84 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)