Home Insurance in Outagamie County, Wisconsin
The median home value in Outagamie County is $267,300, close to the Wisconsin median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Outagamie County was built around 1980. About 28% of homes were built before 1960, about 5 points below Wisconsin's 33%.
Housing in Outagamie County breaks down to 77% single-family homes, 15% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 60% of owner-occupied homes in Outagamie County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Outagamie County has an owner-occupancy rate of 71% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Outagamie County - 71% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists hail (Relatively Moderate), tornado (Relatively Moderate) and winter weather (Relatively Moderate) as the leading hazards for Outagamie County.
As of September 2026, Outagamie County has 190 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $267,300 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Tornado (Relatively Moderate), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 190 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Towns and cities
- Appleton
- Bear Creek
- Black Creek
- Combined Locks
- Greenville
- Hortonville
- Kaukauna
- Kimberly
- Little Chute
- Nichols
- Seymour
- Shiocton
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)