Home Insurance in Thiensville, Wisconsin
With a median home value of $352,100, Thiensville is 10% lower than the Ozaukee County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Thiensville was built around 1964. About 43% of homes were built before 1960, about 17 points above Ozaukee County's 25%.
Housing in Thiensville breaks down to 58% single-family homes and 34% apartments in buildings with 5+ units.
About 66% of owner-occupied homes in Thiensville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Thiensville are owner-occupied.
Most homes in Thiensville - 75% - are primarily heated with natural gas.
Ozaukee County had 425 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Ozaukee County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Wisconsin, the statewide average premium for a standard HO-3 homeowners policy is $923 per year (NAIC, 2023 data).
Key figures
| Median home value | $352,100 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 69% |
| 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)