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Home insurance & flood costs in ZIP 48503 (Flint, MI)

Plain facts for homeowners in Flint: what insurance cost here in recent years, how often claims were paid, and what flood coverage runs.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 48503 at a glance

Four numbers most homeowners ask about first.

$1,724
Avg. home premium

Per policy in 2022 (inflation-adjusted), HO-3/HO-5 policies.

$1,128
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

1.50%
Nonrenewal rate

Share of policies not renewed by insurers in 2022. Typical U.S. ZIP: 0.81%.

4.8%
Claim frequency

Share of policies with a paid claim in 2022. Typical U.S. ZIP: 4.0%.

ZIP 48503 in numbers
$14,585
average paid claim (2022)
−5%
premium change 2018–2022, after inflation
4.32%
cancelled by insurers mid-term (2022)
13
single-family NFIP policies (2025)

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The average premium per policy in ZIP 48503 was $1,724 in 2022, 27% above the Genesee County typical ZIP ($1,353) and 11% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, it fell 5% between 2018 and 2022. About 4.8% of policies here had a paid claim in 2022, and insurers chose not to renew 1.50% of policies.

Genesee County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 48503GeneseeU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 48503 in 2025 cost $1,128, based on 13 policies, compared with $1,035 in 2022. About 77% of them are for homes in high-risk A or V zones.

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

13 policies
A zones 77%X/B/C zones 23%V zones 0%

Claims & hazards

Treasury FIO claim frequency; FEMA National Risk Index for Genesee County

The chart shows the share of homeowners policies in ZIP 48503 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Genesee County are listed below the chart, as national percentiles (100 = highest).

All county hazards

Policies with a paid claim

Share of policies, by year

Top county hazards

  • Tornado99 · Relatively High
  • Cold wave98 · Relatively High
  • Strong wind98 · Relatively High
  • Inland flooding93 · Relatively Moderate
  • Hail91 · Relatively Moderate

Other ZIP codes in Genesee County

Average premium per policy in 2022 (Treasury FIO). Showing 12 of 17; see the county page for all.

48420 Clio · $1,31748423 Davison · $1,29348433 Flushing · $1,39348438 Goodrich · $1,54548439 Grand Blanc · $1,46448451 Linden · $1,32348457 Montrose · $1,30448458 Mount Morris · $1,37848473 Swartz Creek · $1,31448504 Flint · $1,65648505 Flint · $1,55848506 Flint · $1,296

Practical next steps

Simple things homeowners in ZIP 48503 can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Ask about wind mitigation credits. Features like hurricane straps, a newer roof and impact-rated windows or shutters can lower premiums. Ask your insurer which upgrades earn a discount and what paperwork it needs.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.
Keep records. A roof certificate, receipts for upgrades and photos of your home's condition can help when you shop for coverage or file a claim.

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.