Home Insurance in Coloma, Wisconsin
Homes in Coloma carry a median value of $122,200 - 40% lower than the Waushara County median.
The typical home in Coloma was built around 1967. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 48% of homes were built before 1960, about 18 points above Waushara County's 30%.
In Coloma, the housing stock is 88% single-family homes, 2% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Coloma, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 81% of occupied homes in Coloma are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Coloma - 85% - are primarily heated with natural gas.
FEMA rates Waushara County's overall risk as Relatively Low, led by hail (Relatively Moderate). Waushara County had 60 active NFIP flood policies as of September 2026. See the full Waushara 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 | $122,200 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Waushara County | 60 |
| 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)