Home Insurance in Mattoon, Wisconsin
The median home value in Mattoon is $86,700, 55% lower than the Shawano County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Mattoon was built in 1939 or earlier. About 73% of homes were built before 1960, about 38 points above Shawano County's 34%.
The housing stock in Mattoon is 88% single-family homes and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 41% of owner-occupied homes in Mattoon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Mattoon are owner-occupied.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Mattoon, 73% of homes are primarily heated with natural gas.
Shawano County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Shawano County had 43 active NFIP flood policies as of September 2026. See the full Shawano County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Wisconsin is $923 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $86,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)