Home Insurance in Menasha, Wisconsin
The median home value in Menasha is $191,800, 15% lower than the Winnebago County median.
The typical home in Menasha was built around 1974. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 37% of homes were built before 1960, about 3 points above Winnebago County's 33%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Menasha is 64% single-family homes, 19% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 59% of owner-occupied homes in Menasha have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Menasha has an owner-occupancy rate of 64% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Menasha - 74% - are primarily heated with natural gas.
What's the biggest home insurance risk near Menasha? FEMA's National Risk Index points to strong wind (Relatively High) in Winnebago County and Winnebago County had 486 active NFIP flood policies as of September 2026. See the full Winnebago 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 | $191,800 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Winnebago County | 486 |
| 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)