Home Insurance in Montrose, Michigan
Homes in Montrose carry a median value of $113,300 - 38% lower than the Genesee County median.
The typical home in Montrose was built around 1964. About 43% of homes were built before 1960, about 7 points above Genesee County's 36%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Montrose breaks down to 74% single-family homes and 19% apartments in buildings with 5+ units.
In Montrose, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Montrose has an owner-occupancy rate of 58% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
83% of homes in Montrose 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.
The statewide average premium for a standard HO-3 homeowners policy in Michigan is $1,110 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $113,300 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)