Home Insurance in Whiting, Wisconsin
With a median home value of $220,000, Whiting is 10% lower than the Portage County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Whiting was built around 1972. About 27% of homes were built before 1960, about 2 points above Portage County's 25%.
Housing in Whiting breaks down to 79% single-family homes and 16% apartments in buildings with 5+ units.
About 46% of owner-occupied homes in Whiting have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Whiting are owner-occupied.
Most homes in Whiting - 79% - 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 | $220,000 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)