Home Insurance in Kendall, Wisconsin
The median home value in Kendall is $107,500, 49% lower than the Monroe County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Kendall was built around 1947. About 61% of homes were built before 1960, about 30 points above Monroe County's 31%.
Housing in Kendall breaks down to 85% single-family homes and 11% apartments in buildings with 5+ units.
44% of owner-occupied homes in Kendall carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Kendall has an owner-occupancy rate of 72% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Kendall - 69% - are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Monroe County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Monroe County had 109 active NFIP flood policies as of September 2026. See the full Monroe County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Wisconsin carries a statewide average premium of $923 per year.
Key figures
| Median home value | $107,500 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Monroe County | 109 |
| 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)