Home Insurance in Oxford, Wisconsin
Homes in Oxford carry a median value of $152,400 - 28% lower than the Marquette County median.
The typical home in Oxford was built around 1950. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 55% of homes were built before 1960, about 26 points above Marquette County's 29%.
In Oxford, the housing stock is 79% single-family homes, 7% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 71% of owner-occupied homes in Oxford have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Oxford has an owner-occupancy rate of 62% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Oxford, 83% of homes are primarily heated with natural gas.
FEMA rates Marquette County's overall risk as Relatively Low, led by hail (Relatively Moderate). Marquette County had 52 active NFIP flood policies as of September 2026. See the full Marquette County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $152,400 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Marquette County | 52 |
| 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)