Home Insurance in Niles, Michigan
With a median home value of $135,100, Niles is 40% lower than the Berrien County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Niles was built around 1955. About 58% of homes were built before 1960, about 18 points above Berrien County's 41%.
In Niles, the housing stock is 68% single-family homes, 23% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 61% of owner-occupied homes in Niles have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Niles are owner-occupied.
74% of homes in Niles 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.
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 | $135,100 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)