Home Insurance in Saugatuck, Michigan
Homes in Saugatuck carry a median value of $650,800 - 144% higher than the Allegan County median.
The typical home in Saugatuck was built around 1967. About 42% of homes were built before 1960, about 13 points above Allegan County's 28%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Saugatuck, the housing stock is 79% single-family homes and 16% apartments in buildings with 5+ units.
47% of owner-occupied homes in Saugatuck carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 54%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Saugatuck are owner-occupied.
Most homes in Saugatuck - 92% - 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.
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 | $650,800 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)