Home Insurance in Ovid, Michigan
With a median home value of $110,600, Ovid is 57% lower than the Clinton County median.
The typical home in Ovid was built around 1950. About 65% of homes were built before 1960, about 38 points above Clinton County's 26%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Ovid, the housing stock is 70% single-family homes, 12% 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.
55% of owner-occupied homes in Ovid carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Ovid has an owner-occupancy rate of 66% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Ovid, 79% 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.
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 | $110,600 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)