Home Insurance in Plymouth, Wisconsin
With a median home value of $213,300, Plymouth is 8% lower than the Sheboygan County median.
The typical home in Plymouth was built around 1971. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 34% of homes were built before 1960, about 7 points below Sheboygan County's 41%.
The housing stock in Plymouth is 58% single-family homes, 22% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Plymouth, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Plymouth has an owner-occupancy rate of 63% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Plymouth - 81% - 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 | $213,300 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)