Home Insurance in Linden, Michigan
With a median home value of $239,700, Linden is 31% higher than the Genesee County median.
The typical home in Linden was built around 1990. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 19% of homes were built before 1960, about 17 points below Genesee County's 36%.
The housing stock in Linden is 89% single-family homes, 3% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Linden, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 91% of occupied homes in Linden are owner-occupied.
Most homes in Linden - 89% - 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.
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 | $239,700 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)