Home Insurance in Stevens Point, Wisconsin
With a median home value of $195,400, Stevens Point is 20% lower than the Portage County median.
The typical home in Stevens Point was built around 1972. About 37% of homes were built before 1960, about 12 points above Portage County's 25%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Stevens Point breaks down to 55% single-family homes, 28% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 56% of owner-occupied homes in Stevens Point have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Stevens Point has an owner-occupancy rate of 51% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Stevens Point - 66% - are primarily heated with natural gas.
Portage County had 55 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Portage 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 | $195,400 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Portage County | 55 |
| 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)