Home Insurance in Howards Grove, Wisconsin
With a median home value of $261,300, Howards Grove is 12% higher than the Sheboygan County median.
The typical home in Howards Grove was built around 1982. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 19% of homes were built before 1960, about 22 points below Sheboygan County's 41%.
In Howards Grove, the housing stock is 77% single-family homes, 9% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
57% of owner-occupied homes in Howards Grove carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Howards Grove are owner-occupied.
In Howards Grove, 86% of homes are primarily heated with natural gas.
FEMA rates Sheboygan County's overall risk as Relatively Low, led by hail (Relatively Moderate). 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 | $261,300 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)