Home Insurance in Ellsworth, Michigan
With a median home value of $160,200, Ellsworth is 37% lower than the Antrim County median.
The typical home in Ellsworth was built around 1963. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 47% of homes were built before 1960, about 23 points above Antrim County's 24%.
Housing in Ellsworth breaks down to 96% single-family homes and 1% mobile or manufactured homes.
In Ellsworth, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 82% of occupied homes in Ellsworth are owner-occupied. The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 57% of homes in Ellsworth are primarily heated with natural gas.
What's the biggest home insurance risk near Ellsworth? 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.
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 | $160,200 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)