Home Insurance in Davison, Michigan
With a median home value of $181,200, Davison is close to the Genesee County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Davison was built around 1968. About 36% of homes were built before 1960, in line with Genesee County (36%).
In Davison, the housing stock is 55% single-family homes, 37% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Davison, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 48% of occupied homes in Davison are owner-occupied.
70% of homes in Davison 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 | $181,200 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)