Home Insurance in Auburn, Michigan
Homes in Auburn carry a median value of $168,000 - 10% higher than the Bay County median.
The typical home in Auburn was built around 1974. About 25% of homes were built before 1960, about 22 points below Bay County's 47%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Auburn breaks down to 85% single-family homes and 12% apartments in buildings with 5+ units.
In Auburn, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Auburn are owner-occupied.
Most homes in Auburn - 81% - are primarily heated with natural gas.
FEMA rates Bay County's overall risk as Relatively Low, led by winter weather (Relatively High). Bay County had 436 active NFIP flood policies as of September 2026. See the full Bay 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 | $168,000 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Bay County | 436 |
| 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)