Home Insurance in Three Oaks, Michigan
With a median home value of $215,700, Three Oaks is close to the Berrien County median.
The typical home in Three Oaks was built around 1956. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 56% of homes were built before 1960, about 15 points above Berrien County's 41%.
The housing stock in Three Oaks is 76% single-family homes, 6% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 62% of owner-occupied homes in Three Oaks have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Three Oaks has an owner-occupancy rate of 69% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.
Most homes in Three Oaks - 82% - are primarily heated with natural gas.
Berrien County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. 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.
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 | $215,700 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)