Home Insurance in Shiocton, Wisconsin
The median home value in Shiocton is $173,700, 35% lower than the Outagamie County median.
The typical home in Shiocton was built around 1960. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 50% of homes were built before 1960, about 22 points above Outagamie County's 28%.
The housing stock in Shiocton is 71% single-family homes, 5% apartments in buildings with 5+ units and 12% 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.
63% of owner-occupied homes in Shiocton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Shiocton has an owner-occupancy rate of 76% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Shiocton - 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.
Outagamie County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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 | $173,700 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 76% |
| 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)