Home Insurance in Nashville, Michigan
Homes in Nashville carry a median value of $130,900 - 50% lower than the Barry County median.
The typical home in Nashville was built around 1943. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 66% of homes were built before 1960, about 33 points above Barry County's 33%.
Housing in Nashville breaks down to 79% single-family homes, 9% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
56% of owner-occupied homes in Nashville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Nashville has an owner-occupancy rate of 69% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
86% of homes in Nashville are primarily heated with natural gas.
Barry County had 183 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). See the full Barry 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 | $130,900 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Barry County | 183 |
| 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)