Home Insurance in Burton, Michigan
The median home value in Burton is $141,600, 22% lower than the Genesee County median.
The typical home in Burton was built around 1964. About 44% of homes were built before 1960, about 8 points above Genesee County's 36%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Burton, the housing stock is 81% single-family homes, 9% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Burton, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Burton has an owner-occupancy rate of 76% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
83% of homes in Burton are primarily heated with natural gas.
Genesee County had 349 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Genesee County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $141,600 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Genesee County | 349 |
| 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)