Home Insurance in Flint, Michigan
With a median home value of $53,500, Flint is 71% lower than the Genesee County median.
The typical home in Flint was built around 1954. About 70% of homes were built before 1960, about 33 points above Genesee County's 36%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Flint, the housing stock is 85% single-family homes, 9% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
35% of owner-occupied homes in Flint carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Flint has an owner-occupancy rate of 54% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
In Flint, 86% of homes are primarily heated with natural gas.
FEMA rates Genesee County's overall risk as Relatively Moderate, led by tornado (Relatively High). 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.
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 | $53,500 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 35% |
| 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)