Home Insurance in Holland, Michigan
The median home value in Holland is $252,200, 6% lower than the Allegan County median.
The typical home in Holland was built around 1966. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 45% of homes were built before 1960, about 17 points above Allegan County's 28%.
In Holland, the housing stock is 71% single-family homes, 19% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Holland, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 68% of occupied homes in Holland are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Holland - 83% - are primarily heated with natural gas.
Allegan County had 184 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Allegan County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Michigan, the statewide average premium for a standard HO-3 homeowners policy is $1,110 per year (NAIC, 2023 data).
Key figures
| Median home value | $252,200 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)