Home Insurance in Fennville, Michigan
With a median home value of $150,400, Fennville is 44% lower than the Allegan County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Fennville was built around 1979. About 29% of homes were built before 1960, about 1 point above Allegan County's 28%.
The housing stock in Fennville is 51% single-family homes, 17% apartments in buildings with 5+ units and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
49% of owner-occupied homes in Fennville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 64% of occupied homes in Fennville are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Fennville, 79% of homes are primarily heated with natural gas.
FEMA rates Allegan County's overall risk as Relatively Low, led by strong wind (Relatively High). Allegan County had 184 active NFIP flood policies as of September 2026. See the full Allegan 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 Michigan is $1,110 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $150,400 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Allegan County | 184 |
| 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)