Home Insurance in Mulliken, Michigan
Homes in Mulliken carry a median value of $165,900 - 24% lower than the Eaton County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Mulliken was built around 1971. About 38% of homes were built before 1960, about 13 points above Eaton County's 26%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Mulliken is 96% single-family homes and 4% mobile or manufactured homes.
About 64% of owner-occupied homes in Mulliken have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 96% of occupied homes in Mulliken are owner-occupied.
In Mulliken, 82% of homes are primarily heated with natural gas.
FEMA rates Eaton County's overall risk as Relatively Low, led by strong wind (Relatively High). 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 | $165,900 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)