Home Insurance in Swartz Creek, Michigan
Homes in Swartz Creek carry a median value of $174,200 - close to the Genesee County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Swartz Creek was built around 1978. About 19% of homes were built before 1960, about 17 points below Genesee County's 36%.
The housing stock in Swartz Creek is 72% single-family homes, 16% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 65% of owner-occupied homes in Swartz Creek have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Swartz Creek has an owner-occupancy rate of 70% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
75% of homes in Swartz Creek 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 | $174,200 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)