Home Insurance in Eau Claire, Michigan
The median home value in Eau Claire is $115,600, 48% lower than the Berrien County median.
The typical home in Eau Claire was built around 1959. About 51% of homes were built before 1960, about 10 points above Berrien County's 41%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Eau Claire is 90% single-family homes and 2% mobile or manufactured homes.
In Eau Claire, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Eau Claire has an owner-occupancy rate of 83% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Eau Claire - 64% - are primarily heated with natural gas.
FEMA rates Berrien County's overall risk as Relatively Moderate, led by strong wind (Relatively High). Berrien County had 421 active NFIP flood policies as of September 2026. See the full Berrien County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Michigan carries a statewide average premium of $1,110 per year.
Key figures
| Median home value | $115,600 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)