Home Insurance in Central Lake, Michigan
The median home value in Central Lake is $167,100, 35% lower than the Antrim County median.
The typical home in Central Lake was built around 1973. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 43% of homes were built before 1960, about 19 points above Antrim County's 24%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Central Lake is 94% single-family homes, 1% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
In Central Lake, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Central Lake has an owner-occupancy rate of 75% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.
Most homes in Central Lake - 87% - are primarily heated with natural gas.
FEMA rates Antrim County's overall risk as Very Low, led by hail (Relatively Low). 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.
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 | $167,100 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)