Home Insurance in Cascade, Wisconsin
The median home value in Cascade is $185,000, 20% lower than the Sheboygan County median.
The typical home in Cascade was built around 1956. About 53% of homes were built before 1960, about 12 points above Sheboygan County's 41%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Cascade breaks down to 91% single-family homes and 3% apartments in buildings with 5+ units.
About 75% of owner-occupied homes in Cascade have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Cascade has an owner-occupancy rate of 82% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
82% of homes in Cascade are primarily heated with natural gas.
Sheboygan County had 141 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). 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 | $185,000 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)