Home Insurance in Birnamwood, Wisconsin
With a median home value of $143,400, Birnamwood is 26% lower than the Shawano County median.
The typical home in Birnamwood was built around 1963. About 47% of homes were built before 1960, about 13 points above Shawano County's 34%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Birnamwood, the housing stock is 69% single-family homes, 19% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Birnamwood, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Birnamwood has an owner-occupancy rate of 63% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Birnamwood - 74% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Shawano County had 43 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Shawano 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 | $143,400 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Shawano County | 43 |
| 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)