Home Insurance in Clio, Michigan
Homes in Clio carry a median value of $138,200 - 24% lower than the Genesee County median.
The typical home in Clio was built around 1972. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 38% of homes were built before 1960, about 2 points above Genesee County's 36%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Clio is 52% single-family homes, 25% apartments in buildings with 5+ units and 12% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Clio, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Clio has an owner-occupancy rate of 55% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Clio - 78% - are primarily heated with natural gas.
Genesee County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Genesee County had 349 active NFIP flood policies as of September 2026. See the full Genesee 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 | $138,200 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)