Home Insurance in Pepin, Wisconsin
The median home value in Pepin is $209,400, close to the Pepin 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 Pepin was built around 1972. About 42% of homes were built before 1960, in line with Pepin County (41%).
In Pepin, the housing stock is 72% single-family homes, 18% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Pepin, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Pepin are owner-occupied.
Most homes in Pepin - 60% - are primarily heated with propane. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Pepin County had 25 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Pepin 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 | $209,400 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Pepin County | 25 |
| 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)