Home Insurance in East Jordan, Michigan
The median home value in East Jordan is $148,000, 47% lower than the Charlevoix County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in East Jordan was built around 1978. About 21% of homes were built before 1960, about 2 points below Charlevoix County's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in East Jordan is 76% single-family homes, 11% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
In East Jordan, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in East Jordan are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in East Jordan - 73% - are primarily heated with natural gas.
What's the biggest home insurance risk near East Jordan? FEMA's National Risk Index points to inland flooding (Very Low) in Charlevoix County and Charlevoix County had 49 active NFIP flood policies as of September 2026. See the full Charlevoix County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $148,000 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Inland Flooding (Very Low) |
| Active NFIP policies in Charlevoix County | 49 |
| 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)