Home insurance costs & natural hazards in Michigan
Plain facts for Michigan homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.
See the numbersHistorical averages, not a quote. Updated Oct 2026.
Michigan at a glance
Four numbers most homeowners ask about first.
Median ZIP code, per policy per year in 2022 (inflation-adjusted).
Single-family NFIP policies that took effect in 2025.
Median ZIP in 2022. Typical U.S. ZIP: 0.81%.
Counties FEMA rates relatively high or very high on its overall National Risk Index.
What homeowners in Michigan pay
Each block pairs a short explanation with the data behind it.
Homeowners insurance
The typical Michigan ZIP code saw homeowners premiums of $1,171 per policy in 2022, 25% below the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure held roughly steady between 2018 and 2022. The figures come from 913 Michigan ZIP codes in Treasury's data.
Typical premium per policy
Flood insurance
Standard home policies don't cover floods. 14,924 single-family NFIP policies took effect in Michigan in 2025, at an average full cost of $962, compared with $917 in 2022. About 74% of those policies are for homes in high-risk A or V zones.
Average flood policy cost
Policies by flood zone, 2025
Natural hazards
Bars count how many of Michigan's 83 counties FEMA rates relatively high or very high for each hazard. The most widespread are strong wind, winter weather and cold wave. Open any county for its full hazard profile.
Hazards across Michigan's counties
Michigan counties
All 83 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.
Typical home premium by county, 2022
| County | Premium | Flood | FEMA rating |
|---|---|---|---|
| Alcona County | $929 | $1,082 | Very Low |
| Alger County | $926 | $1,086 | Very Low |
| Allegan County | $1,103 | $1,280 | Relatively Low |
| Alpena County | $1,027 | $1,095 | Very Low |
| Antrim County | $1,133 | $971 | Very Low |
| Arenac County | $1,058 | $1,073 | Very Low |
| Baraga County | $932 | — | Very Low |
| Barry County | $1,177 | $1,034 | Relatively Low |
| Bay County | $1,025 | $1,033 | Relatively Low |
| Benzie County | $1,024 | $1,188 | Very Low |
| Berrien County | $1,289 | $1,190 | Relatively Moderate |
| Branch County | $1,179 | $1,060 | Relatively Low |
| Calhoun County | $1,224 | $1,001 | Relatively Low |
| Cass County | $1,342 | $930 | Relatively Low |
| Charlevoix County | $1,305 | $857 | Very Low |
| Cheboygan County | $1,095 | $1,272 | Relatively Low |
| Chippewa County | $962 | $903 | Very Low |
| Clare County | $962 | $731 | Relatively Low |
| Clinton County | $1,118 | $943 | Relatively Low |
| Crawford County | $1,020 | $1,098 | Very Low |
| Delta County | $925 | $1,010 | Relatively Low |
| Dickinson County | $918 | $697 | Relatively Low |
| Eaton County | $1,155 | $1,470 | Relatively Low |
| Emmet County | $1,116 | $1,124 | Very Low |
| Genesee County | $1,353 | $904 | Relatively Moderate |
| Gladwin County | $1,052 | $999 | Very Low |
| Gogebic County | $954 | $802 | Very Low |
| Grand Traverse County | $1,026 | $1,043 | Relatively Low |
| Gratiot County | $1,172 | $1,480 | Relatively Low |
| Hillsdale County | $1,183 | $965 | Relatively Low |
| Houghton County | $951 | — | Very Low |
| Huron County | $1,054 | $1,002 | Relatively Low |
| Ingham County | $1,205 | $1,252 | Relatively Moderate |
| Ionia County | $1,122 | $1,536 | Relatively Low |
| Iosco County | $926 | $801 | Very Low |
| Iron County | $889 | — | Relatively Low |
| Isabella County | $1,140 | $1,033 | Relatively Low |
| Jackson County | $1,230 | $810 | Relatively Low |
| Kalamazoo County | $1,187 | $866 | Relatively Moderate |
| Kalkaska County | $1,024 | — | Very Low |
| Kent County | $1,070 | $1,042 | Relatively Moderate |
| Keweenaw County | $992 | — | Very Low |
| Lake County | $954 | $1,332 | Very Low |
| Lapeer County | $1,337 | $941 | Relatively Low |
| Leelanau County | $1,403 | $991 | Relatively Low |
| Lenawee County | $1,265 | $1,164 | Relatively Low |
| Livingston County | $1,275 | $984 | Relatively Low |
| Luce County | $897 | — | Very Low |
| Mackinac County | $966 | $1,039 | Very Low |
| Macomb County | $1,238 | $906 | Relatively High |
| Manistee County | $1,015 | $1,264 | Very Low |
| Marquette County | $942 | $979 | Relatively Low |
| Mason County | $1,062 | $1,051 | Very Low |
| Mecosta County | $1,025 | $1,612 | Relatively Low |
| Menominee County | $954 | $1,186 | Relatively Low |
| Midland County | $1,111 | $1,051 | Relatively Low |
| Missaukee County | $1,017 | — | Very Low |
| Monroe County | $1,214 | $1,365 | Relatively Moderate |
| Montcalm County | $1,100 | $2,018 | Relatively Low |
| Montmorency County | $920 | — | Very Low |
| Muskegon County | $1,066 | $1,101 | Relatively Low |
| Newaygo County | $1,074 | $1,728 | Relatively Low |
| Oakland County | $1,499 | $702 | Relatively High |
| Oceana County | $1,034 | $1,542 | Very Low |
| Ogemaw County | $965 | — | Very Low |
| Ontonagon County | $871 | $1,052 | Very Low |
| Osceola County | $1,025 | $1,126 | Very Low |
| Oscoda County | $942 | — | Very Low |
| Otsego County | $1,082 | — | Very Low |
| Ottawa County | $1,032 | $1,144 | Relatively Moderate |
| Presque Isle County | $905 | — | Very Low |
| Roscommon County | $814 | — | Relatively Low |
| Saginaw County | $1,238 | $1,005 | Relatively Moderate |
| Sanilac County | $1,146 | $1,088 | Relatively Low |
| Schoolcraft County | $949 | — | Very Low |
| Shiawassee County | $1,208 | $817 | Relatively Low |
| St. Clair County | $1,351 | $885 | Relatively Moderate |
| St. Joseph County | $1,204 | $1,378 | Relatively Low |
| Tuscola County | $1,193 | $1,212 | Relatively Low |
| Van Buren County | $1,246 | $899 | Relatively Low |
| Washtenaw County | $1,335 | $846 | Relatively Moderate |
| Wayne County | $1,466 | $738 | Relatively High |
| Wexford County | $1,060 | $816 | Very Low |
ZIP codes with the most flood policies
Practical next steps
Simple things Michigan homeowners can do with this information.
Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.
Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.
This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.