Home Insurance in Cass County, Michigan
Homes in Cass County carry a median value of $218,000 - 6% lower than the Michigan median.
The typical home in Cass County was built around 1973. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 34% of homes were built before 1960, about 1 point below Michigan's 36%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Cass County is 86% single-family homes, 3% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
In Cass County, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Cass County has an owner-occupancy rate of 82% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Cass County, 51% of homes are primarily heated with natural gas.
FEMA's National Risk Index lists strong wind (Relatively High), hail (Relatively Moderate) and tornado (Relatively Low) as the leading hazards for Cass County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Cass County has 53 active NFIP flood policies on file.
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 | $218,000 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Hail (Relatively Moderate), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 53 |
| Home insurance premium | $1,110 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)