Home Insurance in Plainfield, Wisconsin
Homes in Plainfield carry a median value of $102,300 - 50% lower than the Waushara County median.
The typical home in Plainfield was built around 1948. About 54% of homes were built before 1960, about 24 points above Waushara County's 30%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Plainfield breaks down to 86% single-family homes, 4% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 47% of owner-occupied homes in Plainfield have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Plainfield has an owner-occupancy rate of 77% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Most homes in Plainfield - 80% - are primarily heated with natural gas.
Waushara County had 60 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Waushara 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 | $102,300 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)