Home Insurance in Winneconne, Wisconsin
The median home value in Winneconne is $218,100, close to the Winnebago County median.
The typical home in Winneconne was built around 1975. About 26% of homes were built before 1960, about 7 points below Winnebago County's 33%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Winneconne breaks down to 83% single-family homes, 12% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Winneconne, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Winneconne has an owner-occupancy rate of 75% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In Winneconne, 84% of homes are primarily heated with natural gas.
Winnebago County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. 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.
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 | $218,100 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)