Homeowners insurance cost in Michigan by county
Historical county budgeting benchmarks built from a statewide NAIC average, county median home values, and bounded FEMA risk adjustments—not carrier quotes.
Michigan overview
Across 83 published counties, the average modeled budget is $1,186/yr, with county estimates ranging from $412 to $2,809 per year.
Low confidence The baseline is the 2022 NAIC HO-3 state average of $1,056/yr. FEMA risk is a relative signal, not insurer underwriting.
Compare total monthly carrying costs in Michigan, including mortgage, tax, and insurance benchmarks.
Key county insurance pages in Michigan
Start with these larger or higher-budget county pages, then use the full table for the rest of the published Michigan launch wave.
- Oakland County: $2,809/yr modeled budget
- Washtenaw County: $2,776/yr modeled budget
- Livingston County: $2,509/yr modeled budget
- Ottawa County: $2,419/yr modeled budget
- Kent County: $2,297/yr modeled budget
- Grand Traverse County: $2,262/yr modeled budget
- Leelanau County: $2,084/yr modeled budget
- Macomb County: $1,984/yr modeled budget
County insurance budgets
| County | Median home | FEMA risk percentile | Insurance budget |
|---|---|---|---|
| Alcona County | $162,800 | 17.75 (Very Low) | $715/yr |
| Alger County | $176,200 | 9.61 (Very Low) | $706/yr |
| Allegan County | $267,100 | 68.51 (Relatively Low) | $1,816/yr |
| Alpena County | $153,900 | 28.34 (Very Low) | $754/yr |
| Antrim County | $255,500 | 25.76 (Very Low) | $1,220/yr |
| Arenac County | $150,600 | 20.32 (Very Low) | $680/yr |
| Baraga County | $138,100 | 10.66 (Very Low) | $560/yr |
| Barry County | $264,100 | 45.99 (Relatively Low) | $1,514/yr |
| Bay County | $152,200 | 78.18 (Relatively Low) | $1,105/yr |
| Benzie County | $285,700 | 22.71 (Very Low) | $1,323/yr |
| Berrien County | $224,300 | 81.71 (Relatively Moderate) | $1,665/yr |
| Branch County | $162,500 | 51.81 (Relatively Low) | $976/yr |
| Calhoun County | $162,800 | 74.52 (Relatively Low) | $1,153/yr |
| Cass County | $218,000 | 47.71 (Relatively Low) | $1,267/yr |
| Charlevoix County | $276,800 | 22.33 (Very Low) | $1,276/yr |
| Cheboygan County | $192,500 | 59.48 (Relatively Low) | $1,227/yr |
| Chippewa County | $161,900 | 26.3 (Very Low) | $777/yr |
| Clare County | $133,800 | 47.46 (Relatively Low) | $776/yr |
| Clinton County | $259,500 | 47.04 (Relatively Low) | $1,501/yr |
| Crawford County | $163,000 | 18.03 (Very Low) | $718/yr |
| Delta County | $157,100 | 53.05 (Relatively Low) | $953/yr |
| Dickinson County | $153,300 | 59.29 (Relatively Low) | $975/yr |
| Eaton County | $216,900 | 67.62 (Relatively Low) | $1,466/yr |
| Emmet County | $315,700 | 38.14 (Very Low) | $1,692/yr |
| Genesee County | $182,400 | 92.18 (Relatively Moderate) | $1,445/yr |
| Gladwin County | $162,300 | 40.27 (Very Low) | $886/yr |
| Gogebic County | $107,200 | 25.6 (Very Low) | $511/yr |
| Grand Traverse County | $339,400 | 65.65 (Relatively Low) | $2,262/yr |
| Gratiot County | $147,500 | 54.13 (Relatively Low) | $902/yr |
| Hillsdale County | $176,100 | 49.97 (Relatively Low) | $1,043/yr |
| Houghton County | $159,900 | 24.3 (Very Low) | $752/yr |
| Huron County | $154,300 | 59.03 (Relatively Low) | $980/yr |
| Ingham County | $198,800 | 87.25 (Relatively Moderate) | $1,528/yr |
| Ionia County | $198,500 | 55.85 (Relatively Low) | $1,231/yr |
| Iosco County | $142,200 | 37.75 (Very Low) | $760/yr |
| Iron County | $109,100 | 55.06 (Relatively Low) | $672/yr |
| Isabella County | $170,400 | 66.06 (Relatively Low) | $1,139/yr |
| Jackson County | $193,700 | 76.46 (Relatively Low) | $1,390/yr |
| Kalamazoo County | $241,800 | 81.68 (Relatively Moderate) | $1,795/yr |
| Kalkaska County | $188,900 | 21.28 (Very Low) | $862/yr |
| Kent County | $289,900 | 92.21 (Relatively Moderate) | $2,297/yr |
| Keweenaw County | $169,800 | 0.67 (Very Low) | $609/yr |
| Lake County | $133,900 | 22.04 (Very Low) | $616/yr |
| Lapeer County | $239,000 | 66.41 (Relatively Low) | $1,601/yr |
| Leelanau County | $458,400 | 48.35 (Relatively Low) | $2,084/yr |
| Lenawee County | $196,800 | 69.94 (Relatively Low) | $1,351/yr |
| Livingston County | $356,800 | 73.47 (Relatively Low) | $2,509/yr |
| Luce County | $112,000 | 2.58 (Very Low) | $412/yr |
| Mackinac County | $174,500 | 9.1 (Very Low) | $695/yr |
| Macomb County | $243,900 | 96.66 (Relatively High) | $1,984/yr |
| Manistee County | $182,200 | 37.21 (Very Low) | $969/yr |
| Marquette County | $216,500 | 69.78 (Relatively Low) | $1,485/yr |
| Mason County | $219,600 | 25.35 (Very Low) | $1,044/yr |
| Mecosta County | $178,900 | 69.85 (Relatively Low) | $1,228/yr |
| Menominee County | $151,800 | 44.43 (Relatively Low) | $859/yr |
| Midland County | $195,400 | 71.95 (Relatively Low) | $1,360/yr |
| Missaukee County | $170,400 | 11.1 (Very Low) | $695/yr |
| Monroe County | $228,900 | 82.47 (Relatively Moderate) | $1,708/yr |
| Montcalm County | $185,500 | 56.87 (Relatively Low) | $1,159/yr |
| Montmorency County | $158,600 | 15.87 (Very Low) | $683/yr |
| Muskegon County | $198,300 | 70.1 (Relatively Low) | $1,363/yr |
| Newaygo County | $186,700 | 47.07 (Relatively Low) | $1,080/yr |
| Oakland County | $343,600 | 97.52 (Relatively High) | $2,809/yr |
| Oceana County | $190,100 | 33.72 (Very Low) | $979/yr |
| Ogemaw County | $154,900 | 36.96 (Very Low) | $822/yr |
| Ontonagon County | $111,700 | 4.2 (Very Low) | $419/yr |
| Osceola County | $155,400 | 23.92 (Very Low) | $728/yr |
| Oscoda County | $125,500 | 15.14 (Very Low) | $536/yr |
| Otsego County | $219,700 | 18.42 (Very Low) | $972/yr |
| Ottawa County | $323,400 | 82.89 (Relatively Moderate) | $2,419/yr |
| Presque Isle County | $151,300 | 21.76 (Very Low) | $694/yr |
| Roscommon County | $158,700 | 56.68 (Relatively Low) | $990/yr |
| Saginaw County | $152,800 | 88.55 (Relatively Moderate) | $1,184/yr |
| Sanilac County | $168,300 | 70.32 (Relatively Low) | $1,159/yr |
| Schoolcraft County | $141,800 | 6.74 (Very Low) | $549/yr |
| Shiawassee County | $171,600 | 62.18 (Relatively Low) | $1,115/yr |
| St. Clair County | $224,600 | 82 (Relatively Moderate) | $1,671/yr |
| St. Joseph County | $178,300 | 58.59 (Relatively Low) | $1,129/yr |
| Tuscola County | $149,500 | 73.06 (Relatively Low) | $1,049/yr |
| Van Buren County | $206,500 | 60.46 (Relatively Low) | $1,325/yr |
| Washtenaw County | $374,100 | 89.28 (Relatively Moderate) | $2,776/yr |
| Wayne County | $178,500 | 98.95 (Relatively High) | $1,471/yr |
| Wexford County | $170,400 | 33.91 (Very Low) | $879/yr |
Sources and limitations
Data as of 2022-12-31; FEMA version 1.20; data version 2024.1.
Sources: NAIC Homeowners Insurance Report; FEMA National Risk Index; U.S. Census ACS county median home values.
Read the insurance and PITI methodology
Insurance disclaimer: Estimate for budgeting only — not an insurance quote and not a binding price. Verify with the county assessor and a licensed professional before making financial decisions.