Home Insurance in Appleton, Wisconsin
Homes in Appleton carry a median value of $231,400 - 13% lower than the Outagamie County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Appleton was built around 1971. About 38% of homes were built before 1960, about 10 points above Outagamie County's 28%.
Housing in Appleton breaks down to 74% single-family homes and 17% apartments in buildings with 5+ units.
About 63% of owner-occupied homes in Appleton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 67% of occupied homes in Appleton are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Appleton, 76% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Appleton? FEMA's National Risk Index points to hail (Relatively Moderate) in Outagamie County and Outagamie County had 190 active NFIP flood policies as of September 2026. See the full Outagamie 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 | $231,400 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Outagamie County | 190 |
| 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)