Home Insurance in Bowler, Wisconsin
The median home value in Bowler is $137,500, 29% lower than the Shawano County median.
The typical home in Bowler was built around 1966. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 44% of homes were built before 1960, about 10 points above Shawano County's 34%.
The housing stock in Bowler is 82% single-family homes, 11% 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 Bowler, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Bowler are owner-occupied.
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. 62% of homes in Bowler are primarily heated with propane.
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 | $137,500 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)