Home Insurance in Dickinson County, Michigan
With a median home value of $153,300, Dickinson County is 34% lower than the Michigan median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Dickinson County was built around 1970. About 41% of homes were built before 1960, about 5 points above Michigan's 36%.
In Dickinson County, the housing stock is 85% single-family homes, 6% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
50% of owner-occupied homes in Dickinson County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Dickinson County are owner-occupied.
Most homes in Dickinson County - 68% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Dickinson County's top hazards are hail (Relatively Moderate), winter weather (Relatively Low) and inland flooding (Relatively Low).
As of September 2026, Dickinson County has 24 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $153,300 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Winter Weather (Relatively Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 24 |
| 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)