Home Insurance in Ozaukee County, Wisconsin
Homes in Ozaukee County carry a median value of $390,200 - 46% higher than the Wisconsin median.
The typical home in Ozaukee County was built around 1978. About 25% of homes were built before 1960, about 8 points below Wisconsin's 33%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Ozaukee County is 74% single-family homes and 18% apartments in buildings with 5+ units.
64% of owner-occupied homes in Ozaukee County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 73% of occupied homes in Ozaukee County are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
75% of homes in Ozaukee County are primarily heated with natural gas.
The top hazards for Ozaukee County, per FEMA's National Risk Index, are hail (Relatively Low), tornado (Relatively Low) and inland flooding (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Ozaukee County has 425 active NFIP flood policies on file.
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 | $390,200 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Tornado (Relatively Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 425 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Towns and cities
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)