Home Insurance in Marcellus, Michigan
With a median home value of $120,400, Marcellus is 45% lower than the Cass County median.
The typical home in Marcellus was built around 1953. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 57% of homes were built before 1960, about 23 points above Cass County's 34%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Marcellus is 84% single-family homes, 5% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
59% of owner-occupied homes in Marcellus carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Marcellus has an owner-occupancy rate of 77% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
86% of homes in Marcellus are primarily heated with natural gas.
FEMA rates Cass County's overall risk as Relatively Low, led by strong wind (Relatively High). 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.
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 | $120,400 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)