Home Insurance in Wittenberg, Wisconsin
With a median home value of $138,500, Wittenberg is 29% lower than the Shawano County median.
The typical home in Wittenberg was built around 1965. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 49% of homes were built before 1960, about 15 points above Shawano County's 34%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Wittenberg is 62% single-family homes, 15% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 52% of owner-occupied homes in Wittenberg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Wittenberg has an owner-occupancy rate of 53% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
78% of homes in Wittenberg are primarily heated with natural gas.
What's the biggest home insurance risk near Wittenberg? 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.
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 | $138,500 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)