Home Insurance in Oconto Falls, Wisconsin
With a median home value of $162,800, Oconto Falls is 30% lower than the Oconto County median.
The typical home in Oconto Falls was built around 1969. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 36% of homes were built before 1960, about 10 points above Oconto County's 26%.
In Oconto Falls, the housing stock is 63% single-family homes, 22% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Oconto Falls, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in Oconto Falls are owner-occupied.
Most homes in Oconto Falls - 70% - are primarily heated with natural gas.
Oconto County had 110 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Oconto County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $162,800 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)