Home Insurance in Waupaca County, Wisconsin
The median home value in Waupaca County is $211,400, 21% lower than the Wisconsin median.
The typical home in Waupaca County was built around 1975. About 35% of homes were built before 1960, about 2 points above Wisconsin's 33%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Waupaca County is 79% single-family homes, 10% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Waupaca County, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Waupaca County are owner-occupied.
48% of homes in Waupaca County are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Waupaca County's top hazards are hail (Relatively Moderate), tornado (Relatively Moderate) and inland flooding (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Waupaca County has 179 active NFIP flood policies on file.
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 | $211,400 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Tornado (Relatively Moderate), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 179 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Towns and cities
- Big Falls
- Clintonville
- Embarrass
- Fremont
- Iola
- Manawa
- Marion
- New London
- Ogdensburg
- Scandinavia
- Waupaca
- Weyauwega
Sources
- 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)