Home Insurance in Ogdensburg, Wisconsin
With a median home value of $96,700, Ogdensburg is 54% lower than the Waupaca County median.
The typical home in Ogdensburg was built around 1958. About 54% of homes were built before 1960, about 18 points above Waupaca County's 35%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Ogdensburg is 74% single-family homes, 8% apartments in buildings with 5+ units and 18% mobile or manufactured homes.
In Ogdensburg, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Ogdensburg are owner-occupied.
Most homes in Ogdensburg - 66% - are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Waupaca County's overall risk as Relatively Low, led by hail (Relatively Moderate). Waupaca County had 179 active NFIP flood policies as of September 2026. See the full Waupaca 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 | $96,700 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Waupaca County | 179 |
| 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)