Home Insurance in Mancelona, Michigan
With a median home value of $131,400, Mancelona is 49% lower than the Antrim County median.
The typical home in Mancelona was built around 1964. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. 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 Mancelona is 76% single-family homes, 11% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
56% of owner-occupied homes in Mancelona carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Mancelona are owner-occupied.
In Mancelona, 80% of homes 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.
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 | $131,400 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)