Home Insurance in Black Creek, Wisconsin
The median home value in Black Creek is $190,800, 29% lower than the Outagamie County median.
The typical home in Black Creek was built around 1971. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 37% of homes were built before 1960, about 9 points above Outagamie County's 28%.
In Black Creek, the housing stock is 72% single-family homes, 12% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 71% of owner-occupied homes in Black Creek have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 71% of occupied homes in Black Creek are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Black Creek - 84% - are primarily heated with natural gas.
FEMA rates Outagamie County's overall risk as Relatively Low, led by hail (Relatively Moderate). 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 | $190,800 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)