Home Insurance in DeWitt, Michigan
With a median home value of $309,900, DeWitt is 19% higher than the Clinton County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in DeWitt was built around 1985. About 17% of homes were built before 1960, about 9 points below Clinton County's 26%.
Housing in DeWitt breaks down to 86% single-family homes and 9% apartments in buildings with 5+ units.
In DeWitt, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
DeWitt has an owner-occupancy rate of 82% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
In DeWitt, 82% of homes are primarily heated with natural gas.
FEMA rates Clinton County's overall risk as Relatively Low, led by strong wind (Relatively High). Clinton County had 85 active NFIP flood policies as of September 2026. See the full Clinton 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 | $309,900 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Clinton County | 85 |
| 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)