Home Insurance in Oshkosh, Wisconsin
Homes in Oshkosh carry a median value of $177,700 - 21% lower than the Winnebago County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Oshkosh was built around 1971. About 40% of homes were built before 1960, about 7 points above Winnebago County's 33%.
In Oshkosh, the housing stock is 60% single-family homes, 25% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 62% of owner-occupied homes in Oshkosh have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Oshkosh has an owner-occupancy rate of 55% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
73% of homes in Oshkosh are primarily heated with natural gas.
What's the biggest home insurance risk near Oshkosh? 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 | $177,700 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)