Home Insurance in Pepin County, Wisconsin
With a median home value of $214,800, Pepin County is 19% lower than the Wisconsin median.
The typical home in Pepin County was built around 1970. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 41% of homes were built before 1960, about 8 points above Wisconsin's 33%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pepin County is 86% single-family homes, 5% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
53% of owner-occupied homes in Pepin County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Pepin County are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Pepin County, 40% of homes are primarily heated with propane.
The top hazards for Pepin County, per FEMA's National Risk Index, are hail (Relatively Low), strong wind (Relatively Low) and tornado (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, Pepin County has 25 active NFIP flood policies on file.
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 | $214,800 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Strong Wind (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 25 |
| 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)