Home Insurance in Baroda, Michigan
The median home value in Baroda is $158,800, 29% lower than the Berrien County median.
The typical home in Baroda was built around 1985. About 32% of homes were built before 1960, about 9 points below Berrien County's 41%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Baroda is 53% single-family homes, 5% apartments in buildings with 5+ units and 38% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 45% of owner-occupied homes in Baroda have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Baroda has an owner-occupancy rate of 87% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Baroda - 90% - are primarily heated with natural gas.
Berrien County had 421 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Berrien 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 | $158,800 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Berrien County | 421 |
| 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)