Home Insurance in Dimondale, Michigan
With a median home value of $216,400, Dimondale is close to the Eaton County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Dimondale was built around 1967. About 38% of homes were built before 1960, about 12 points above Eaton County's 26%.
The housing stock in Dimondale is 90% single-family homes and 6% apartments in buildings with 5+ units.
In Dimondale, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Dimondale are owner-occupied.
84% of homes in Dimondale are primarily heated with natural gas.
What's the biggest home insurance risk near Dimondale? FEMA's National Risk Index points to strong wind (Relatively High) in Eaton County and Eaton County had 206 active NFIP flood policies as of September 2026. See the full Eaton County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $216,400 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Eaton County | 206 |
| 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)