Home Insurance in Sheboygan Falls, Wisconsin
With a median home value of $217,500, Sheboygan Falls is 7% lower than the Sheboygan County median.
The typical home in Sheboygan Falls was built around 1979. About 35% of homes were built before 1960, about 6 points below Sheboygan County's 41%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Sheboygan Falls is 62% single-family homes, 20% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 59% of owner-occupied homes in Sheboygan Falls have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Sheboygan Falls has an owner-occupancy rate of 68% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
82% of homes in Sheboygan Falls are primarily heated with natural gas.
What's the biggest home insurance risk near Sheboygan Falls? FEMA's National Risk Index points to hail (Relatively Moderate) in Sheboygan County and 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.
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 | $217,500 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)