Home Insurance in Hopkins, Michigan
With a median home value of $241,700, Hopkins is 10% lower than the Allegan County median.
The typical home in Hopkins was built around 1948. About 54% of homes were built before 1960, about 26 points above Allegan County's 28%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Hopkins is 78% single-family homes, 12% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
78% of owner-occupied homes in Hopkins carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 76% of occupied homes in Hopkins are owner-occupied.
85% of homes in Hopkins are primarily heated with natural gas.
Allegan County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. 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.
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 | $241,700 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 78% |
| 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)