Home Insurance in Kewaskum, Wisconsin
With a median home value of $288,800, Kewaskum is 16% lower than the Washington County median.
The typical home in Kewaskum was built around 1995. About 18% of homes were built before 1960, about 2 points below Washington County's 20%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Kewaskum, the housing stock is 80% single-family homes and 12% apartments in buildings with 5+ units.
In Kewaskum, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Kewaskum has an owner-occupancy rate of 79% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
67% of homes in Kewaskum are primarily heated with natural gas.
Washington County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Washington County had 306 active NFIP flood policies as of September 2026. See the full Washington County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Wisconsin is $923 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $288,800 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Washington County | 306 |
| 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)