Home Insurance in Fredonia, Wisconsin
The median home value in Fredonia is $286,000, 27% lower than the Ozaukee County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Fredonia was built around 1974. About 28% of homes were built before 1960, about 2 points above Ozaukee County's 25%.
Housing in Fredonia breaks down to 73% single-family homes and 16% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 66% of owner-occupied homes in Fredonia have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Fredonia are owner-occupied.
82% of homes in Fredonia are primarily heated with natural gas.
FEMA rates Ozaukee County's overall risk as Relatively Low, led by hail (Relatively Low). Ozaukee County had 425 active NFIP flood policies as of September 2026. See the full Ozaukee 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 | $286,000 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Ozaukee County | 425 |
| 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)