Home Insurance in Crawford County, Michigan
The median home value in Crawford County is $163,000, 30% lower than the Michigan median.
The typical home in Crawford County was built around 1980. About 17% of homes were built before 1960, about 18 points below Michigan's 36%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Crawford County is 86% single-family homes, 2% apartments in buildings with 5+ units and 11% mobile or manufactured homes.
About 49% of owner-occupied homes in Crawford County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Crawford County has an owner-occupancy rate of 80% and a vacancy rate of 40%; unoccupied homes typically need a different coverage form.
In Crawford County, 40% of homes are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists winter weather (Relatively Moderate), wildfire (Relatively Low) and inland flooding (Relatively Low) as the leading hazards for Crawford County.
As of September 2026, Crawford County has 27 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $163,000 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Wildfire (Relatively Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 27 |
| Home insurance premium | $1,110 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)