Home Insurance in Clare, Michigan
Homes in Clare carry a median value of $134,600 - close to the Clare County median.
The typical home in Clare was built around 1966. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 39% of homes were built before 1960, about 16 points above Clare County's 22%.
In Clare, the housing stock is 61% single-family homes, 25% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Clare, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Clare has an owner-occupancy rate of 59% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
77% of homes in Clare are primarily heated with natural gas.
Clare County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Clare County had 39 active NFIP flood policies as of September 2026. See the full Clare 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 | $134,600 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Clare County | 39 |
| 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)