Home Insurance in Kingsford, Michigan
The median home value in Kingsford is $132,100, 14% lower than the Dickinson County median.
The typical home in Kingsford was built around 1968. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 37% of homes were built before 1960, about 3 points below Dickinson County's 41%.
Housing in Kingsford breaks down to 80% single-family homes and 12% apartments in buildings with 5+ units.
59% of owner-occupied homes in Kingsford carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Kingsford has an owner-occupancy rate of 76% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
82% of homes in Kingsford are primarily heated with natural gas.
Dickinson County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Dickinson County had 24 active NFIP flood policies as of September 2026. See the full Dickinson 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 | $132,100 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Dickinson County | 24 |
| 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)