Home Insurance in Sheboygan County, Wisconsin
Homes in Sheboygan County carry a median value of $232,700 - 13% lower than the Wisconsin median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Sheboygan County was built around 1970. About 41% of homes were built before 1960, about 8 points above Wisconsin's 33%.
In Sheboygan County, the housing stock is 71% single-family homes, 15% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 59% of owner-occupied homes in Sheboygan County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Sheboygan County are owner-occupied.
Most homes in Sheboygan County - 74% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Sheboygan County's top hazards are hail (Relatively Moderate), tornado (Relatively Moderate) and inland flooding (Relatively Low).
Sheboygan County had 141 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $232,700 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Tornado (Relatively Moderate), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 141 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Towns and cities
- Adell
- Cascade
- Cedar Grove
- Elkhart Lake
- Glenbeulah
- Howards Grove
- Kohler
- Oostburg
- Plymouth
- Random Lake
- Sheboygan
- Sheboygan Falls
- Waldo
Sources
- 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)