Home Insurance in Pellston, Michigan
The median home value in Pellston is $121,000, 62% lower than the Emmet County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Pellston was built around 1991. About 22% of homes were built before 1960, about 1 point below Emmet County's 23%.
The housing stock in Pellston is 74% single-family homes, 6% apartments in buildings with 5+ units and 10% 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.
71% of owner-occupied homes in Pellston carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Pellston has an owner-occupancy rate of 70% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 63% of homes in Pellston are primarily heated with natural gas.
FEMA rates Emmet County's overall risk as Very Low, led by inland flooding (Relatively Low). Emmet County had 68 active NFIP flood policies as of September 2026. See the full Emmet County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
In Michigan, the statewide average premium for a standard HO-3 homeowners policy is $1,110 per year (NAIC, 2023 data).
Key figures
| Median home value | $121,000 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Emmet County | 68 |
| 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)