Home Insurance in Shawano, Wisconsin
With a median home value of $160,800, Shawano is 17% lower than the Shawano County median.
The typical home in Shawano was built around 1973. About 35% of homes were built before 1960, in line with Shawano County (34%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Shawano, the housing stock is 65% single-family homes and 25% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 72% of owner-occupied homes in Shawano have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Shawano has an owner-occupancy rate of 56% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Shawano, 74% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Shawano? FEMA's National Risk Index points to hail (Relatively Moderate) in Shawano County and 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Wisconsin carries a statewide average premium of $923 per year.
Key figures
| Median home value | $160,800 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)