Home Insurance in Oconto County, Wisconsin
With a median home value of $231,400, Oconto County is 13% lower than the Wisconsin median.
The typical home in Oconto County was built around 1981. About 26% of homes were built before 1960, about 7 points below Wisconsin's 33%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Oconto County, the housing stock is 83% single-family homes, 4% 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.
About 56% of owner-occupied homes in Oconto County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 85% of occupied homes in Oconto County are owner-occupied. The vacancy rate is 30%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Oconto County, 46% of homes are primarily heated with natural gas.
The top hazards for Oconto County, per FEMA's National Risk Index, are hail (Relatively Moderate), inland flooding (Relatively Low) and tornado (Relatively Low).
As of September 2026, Oconto County has 110 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $231,400 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Inland Flooding (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 110 |
| 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)