Home Insurance in Niagara, Wisconsin
With a median home value of $103,800, Niagara is 35% lower than the Marinette County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Niagara was built around 1956. About 58% of homes were built before 1960, about 26 points above Marinette County's 32%.
The housing stock in Niagara is 91% single-family homes and 6% apartments in buildings with 5+ units.
In Niagara, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Niagara has an owner-occupancy rate of 81% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
84% of homes in Niagara are primarily heated with natural gas.
FEMA rates Marinette County's overall risk as Relatively Low, led by hail (Relatively Moderate). Marinette County had 84 active NFIP flood policies as of September 2026. See the full Marinette County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Wisconsin, the statewide average premium for a standard HO-3 homeowners policy is $923 per year (NAIC, 2023 data).
Key figures
| Median home value | $103,800 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Marinette County | 84 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- 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)