Home Insurance in Escanaba, Michigan
With a median home value of $125,200, Escanaba is 20% lower than the Delta County median.
The typical home in Escanaba was built around 1952. About 62% of homes were built before 1960, about 21 points above Delta County's 41%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Escanaba, the housing stock is 66% single-family homes, 16% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 53% of owner-occupied homes in Escanaba have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Escanaba are owner-occupied.
Most homes in Escanaba - 81% - are primarily heated with natural gas.
FEMA rates Delta County's overall risk as Relatively Low, led by hail (Relatively Moderate). Delta County had 46 active NFIP flood policies as of September 2026. See the full Delta County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Michigan is $1,110 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $125,200 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Delta County | 46 |
| 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)