Home Insurance in De Tour Village, Michigan
The median home value in De Tour Village is $237,500, 47% higher than the Chippewa County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in De Tour Village was built around 1976. About 31% of homes were built before 1960, about 3 points below Chippewa County's 34%.
The housing stock in De Tour Village is 86% single-family homes, 2% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 28% of owner-occupied homes in De Tour Village have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 92% of occupied homes in De Tour Village are owner-occupied. The vacancy rate is 42%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in De Tour Village - 72% - are primarily heated with propane.
FEMA rates Chippewa County's overall risk as Very Low, led by wildfire (Relatively Low). Chippewa County had 75 active NFIP flood policies as of September 2026. See the full Chippewa 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 | $237,500 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Chippewa County | 75 |
| 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)