Home Insurance in Menominee County, Wisconsin
The median home value in Menominee County is $110,200, 59% lower than the Wisconsin median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Menominee County was built around 1985. About 10% of homes were built before 1960, about 23 points below Wisconsin's 33%.
In Menominee County, the housing stock is 90% single-family homes, 2% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Menominee County, about 33% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Menominee County has an owner-occupancy rate of 76% and a vacancy rate of 36%; 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. Most homes in Menominee County - 77% - are primarily heated with propane.
Per FEMA's National Risk Index, Menominee County's top hazards are hail (Very Low), tornado (Very Low) and strong wind (Relatively Low).
Menominee County has no active NFIP flood policies on file. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $110,200 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top hazards (FEMA National Risk Index) | Hail (Very Low), Tornado (Very Low), Strong Wind (Relatively Low) |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
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)