Home Insurance in Woodland, Michigan
With a median home value of $154,500, Woodland is 41% lower than the Barry County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Woodland was built in 1939 or earlier. About 67% of homes were built before 1960, about 34 points above Barry County's 33%.
The housing stock in Woodland is 74% single-family homes, 16% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 44% of owner-occupied homes in Woodland have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 70% of occupied homes in Woodland are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
84% of homes in Woodland are primarily heated with natural gas.
Barry County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Barry County had 183 active NFIP flood policies as of September 2026. See the full Barry 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 | $154,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)