Home Insurance in Standish, Michigan
Homes in Standish carry a median value of $97,900 - 35% lower than the Arenac County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Standish was built around 1972. About 37% of homes were built before 1960, about 11 points above Arenac County's 26%.
The housing stock in Standish is 59% single-family homes, 31% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Standish, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 56% of occupied homes in Standish are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Standish, 88% of homes are primarily heated with natural gas.
Arenac County had 109 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full Arenac County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Michigan is $1,110 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $97,900 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Arenac County | 109 |
| 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)