Home Insurance in Adell, Wisconsin
With a median home value of $217,300, Adell is 7% lower than the Sheboygan County median.
The typical home in Adell was built around 1970. About 42% of homes were built before 1960, about 1 point above Sheboygan County's 41%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Adell is 84% single-family homes and 5% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Adell, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Adell has an owner-occupancy rate of 71% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Adell - 78% - are primarily heated with natural gas. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Sheboygan County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Sheboygan County had 141 active NFIP flood policies as of September 2026. See the full Sheboygan 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 | $217,300 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Sheboygan County | 141 |
| 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)