Home Insurance in Goodrich, Michigan
Homes in Goodrich carry a median value of $246,400 - 35% higher than the Genesee County median.
The typical home in Goodrich was built around 1993. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 25% of homes were built before 1960, about 11 points below Genesee County's 36%.
Housing in Goodrich breaks down to 96% single-family homes and 2% apartments in buildings with 5+ units.
About 80% of owner-occupied homes in Goodrich have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 93% of occupied homes in Goodrich are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Goodrich, 89% of homes 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.
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 | $246,400 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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)