Home Insurance in Bellaire, Michigan
The median home value in Bellaire is $230,100, 10% lower than the Antrim County median.
The typical home in Bellaire was built around 1970. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 36% of homes were built before 1960, about 12 points above Antrim County's 24%.
The housing stock in Bellaire is 76% single-family homes, 8% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Bellaire, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Bellaire are owner-occupied.
Most homes in Bellaire - 82% - are primarily heated with natural gas.
What's the biggest home insurance risk near Bellaire? FEMA's National Risk Index points to hail (Relatively Low) in Antrim County and Antrim County had 24 active NFIP flood policies as of September 2026. See the full Antrim 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 | $230,100 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Antrim County | 24 |
| 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)