Home Insurance in Beulah, Michigan
With a median home value of $485,700, Beulah is 70% higher than the Benzie County median.
The typical home in Beulah was built around 1961. About 48% of homes were built before 1960, about 26 points above Benzie County's 23%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Beulah, the housing stock is 84% single-family homes and 8% apartments in buildings with 5+ units.
In Beulah, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Beulah has an owner-occupancy rate of 65% and a vacancy rate of 72%; unoccupied homes typically need a different coverage form.
Most homes in Beulah - 73% - are primarily heated with natural gas.
FEMA rates Benzie County's overall risk as Very Low, led by winter weather (Relatively High). Benzie County had 21 active NFIP flood policies as of September 2026. See the full Benzie 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 | $485,700 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Benzie County | 21 |
| 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)