Home Insurance in Oostburg, Wisconsin
With a median home value of $246,900, Oostburg is 6% higher than the Sheboygan County median.
The typical home in Oostburg was built around 1981. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 25% of homes were built before 1960, about 16 points below Sheboygan County's 41%.
In Oostburg, the housing stock is 83% single-family homes and 8% apartments in buildings with 5+ units.
In Oostburg, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 81% of occupied homes in Oostburg are owner-occupied.
76% of homes in Oostburg 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.
In Wisconsin, the statewide average premium for a standard HO-3 homeowners policy is $923 per year (NAIC, 2023 data).
Key figures
| Median home value | $246,900 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)