Home Insurance in Lena, Wisconsin
Homes in Lena carry a median value of $155,300 - 33% lower than the Oconto County median.
The median home in Lena was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 67% of homes were built before 1960, about 41 points above Oconto County's 26%.
In Lena, the housing stock is 65% single-family homes and 6% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 48% of owner-occupied homes in Lena have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 52% of occupied homes in Lena are owner-occupied.
86% of homes in Lena are primarily heated with natural gas.
FEMA rates Oconto County's overall risk as Relatively Low, led by hail (Relatively Moderate). 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.
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 | $155,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)