HomeInsuranceQts

Home Insurance in Cedar Grove, Wisconsin

With a median home value of $231,200, Cedar Grove is close to the Sheboygan County median.

The typical home in Cedar Grove was built around 1980. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 26% of homes were built before 1960, about 14 points below Sheboygan County's 41%.

The housing stock in Cedar Grove is 86% single-family homes and 7% apartments in buildings with 5+ units.

63% of owner-occupied homes in Cedar Grove carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Cedar Grove are owner-occupied.

In Cedar Grove, 75% of homes 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$231,200
Median year built1980
Owner-occupied share84%
Share of owner-occupied homes with a mortgage63%
Top county hazardHail (Relatively Moderate)
Active NFIP policies in Sheboygan County141
Home insurance premium$923 - statewide average (NAIC, 2023 data)
Key home insurance figures for Cedar Grove, WI

Nearby towns

Sources

Data last updated: 2026-09-29