Home Insurance in Mount Morris, Michigan
The median home value in Mount Morris is $86,600, 53% lower than the Genesee County median.
The typical home in Mount Morris was built around 1953. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 68% of homes were built before 1960, about 31 points above Genesee County's 36%.
Housing in Mount Morris breaks down to 72% single-family homes and 13% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Mount Morris, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 56% of occupied homes in Mount Morris are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
87% of homes in Mount Morris 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 | $86,600 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)