Home Insurance in Wautoma, Wisconsin
Homes in Wautoma carry a median value of $131,600 - 35% lower than the Waushara County median.
The typical home in Wautoma was built around 1965. About 46% of homes were built before 1960, about 16 points above Waushara County's 30%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Wautoma is 57% single-family homes, 28% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Wautoma, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Wautoma has an owner-occupancy rate of 53% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
56% of homes in Wautoma are primarily heated with natural gas.
Waushara County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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 | $131,600 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)