Home Insurance in Harrisville, Michigan
Homes in Harrisville carry a median value of $118,800 - 27% lower than the Alcona County median.
The typical home in Harrisville was built around 1955. About 59% of homes were built before 1960, about 34 points above Alcona County's 26%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Harrisville breaks down to 81% single-family homes, 17% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 35% of owner-occupied homes in Harrisville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Harrisville has an owner-occupancy rate of 67% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
75% of homes in Harrisville are primarily heated with natural gas.
What's the biggest home insurance risk near Harrisville? FEMA's National Risk Index points to inland flooding (Relatively Low) in Alcona County and Alcona County had 34 active NFIP flood policies as of September 2026. See the full Alcona County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Michigan carries a statewide average premium of $1,110 per year.
Key figures
| Median home value | $118,800 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Alcona County | 34 |
| Home insurance premium | $1,110 - 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)