Home Insurance in Combined Locks, Wisconsin
With a median home value of $246,000, Combined Locks is 8% lower than the Outagamie County median.
The typical home in Combined Locks was built around 1975. About 29% of homes were built before 1960, in line with Outagamie County (28%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Combined Locks breaks down to 96% single-family homes and 1% apartments in buildings with 5+ units.
About 70% of owner-occupied homes in Combined Locks have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Combined Locks has an owner-occupancy rate of 87% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
Most homes in Combined Locks - 82% - are primarily heated with natural gas.
What's the biggest home insurance risk near Combined Locks? 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.
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 | $246,000 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)