Home Insurance in Gillett, Wisconsin
With a median home value of $118,200, Gillett is 49% lower than the Oconto County median.
The typical home in Gillett was built around 1964. About 44% of homes were built before 1960, about 18 points above Oconto County's 26%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Gillett is 77% single-family homes, 9% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
About 54% of owner-occupied homes in Gillett have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 81% of occupied homes in Gillett are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Gillett, 90% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Gillett? FEMA's National Risk Index points to hail (Relatively Moderate) in Oconto County and Oconto County had 110 active NFIP flood policies as of September 2026. See the full Oconto 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 | $118,200 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Oconto County | 110 |
| 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)