Home Insurance in Antrim County, Michigan
With a median home value of $255,500, Antrim County is 10% higher than the Michigan median.
The typical home in Antrim County was built around 1980. About 24% of homes were built before 1960, about 12 points below Michigan's 36%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Antrim County is 85% single-family homes, 6% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 53% of owner-occupied homes in Antrim County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Antrim County has an owner-occupancy rate of 86% and a vacancy rate of 37%; unoccupied homes typically need a different coverage form.
In Antrim County, 41% of homes are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Antrim County, per FEMA's National Risk Index, are hail (Relatively Low), inland flooding (Relatively Low) and tornado (Relatively Low).
As of September 2026, Antrim County has 24 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $255,500 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Inland Flooding (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 24 |
| Home insurance premium | $1,110 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)