Home Insurance in Coloma, Michigan
Homes in Coloma carry a median value of $177,100 - 21% lower than the Berrien County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Coloma was built around 1954. About 64% of homes were built before 1960, about 23 points above Berrien County's 41%.
In Coloma, the housing stock is 85% single-family homes and 5% apartments in buildings with 5+ units.
In Coloma, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Coloma has an owner-occupancy rate of 74% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
76% of homes in Coloma 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.
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 | $177,100 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)