Home Insurance in Edwardsburg, Michigan
Homes in Edwardsburg carry a median value of $122,200 - 44% lower than the Cass County median.
The typical home in Edwardsburg was built around 1970. About 46% of homes were built before 1960, about 11 points above Cass County's 34%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Edwardsburg, the housing stock is 51% single-family homes, 13% apartments in buildings with 5+ units and 29% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 38% of owner-occupied homes in Edwardsburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Edwardsburg has an owner-occupancy rate of 74% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Edwardsburg, 83% of homes are primarily heated with natural gas.
Cass County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Cass County had 53 active NFIP flood policies as of September 2026. See the full Cass 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 | $122,200 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Cass County | 53 |
| 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)