Home Insurance in Beaverton, Michigan
Homes in Beaverton carry a median value of $109,000 - 33% lower than the Gladwin County median.
The typical home in Beaverton was built around 1975. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 31% of homes were built before 1960, about 8 points above Gladwin County's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Beaverton is 50% single-family homes, 36% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
About 49% of owner-occupied homes in Beaverton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 45% of occupied homes in Beaverton are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Beaverton, 76% of homes are primarily heated with natural gas.
Gladwin County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Gladwin County had 40 active NFIP flood policies as of September 2026. See the full Gladwin 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 | $109,000 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Gladwin County | 40 |
| 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)