Home Insurance in Genesee County, Michigan
With a median home value of $182,400, Genesee County is 21% lower than the Michigan median.
The typical home in Genesee County was built around 1969. About 36% of homes were built before 1960, in line with Michigan (36%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Genesee County is 79% single-family homes, 12% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 57% of owner-occupied homes in Genesee County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Genesee County are owner-occupied.
Most homes in Genesee County - 81% - are primarily heated with natural gas.
FEMA's National Risk Index lists tornado (Relatively High), strong wind (Relatively High) and inland flooding (Relatively Moderate) as the leading hazards for Genesee County.
Genesee County had 349 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $182,400 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Strong Wind (Relatively High), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 349 |
| Home insurance premium | $1,110 - statewide average (NAIC, 2023 data) |
Towns and cities
- Burton
- Clio
- Davison
- Fenton
- Flint
- Flushing
- Gaines
- Goodrich
- Grand Blanc
- Linden
- Montrose
- Mount Morris
- Otisville
- Swartz Creek
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)