Home Insurance in Gogebic County, Michigan
The median home value in Gogebic County is $107,200, 54% lower than the Michigan median.
The typical home in Gogebic County was built around 1955. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 56% of homes were built before 1960, about 21 points above Michigan's 36%.
Housing in Gogebic County breaks down to 88% single-family homes, 5% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
41% of owner-occupied homes in Gogebic County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 33%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Gogebic County are owner-occupied.
60% of homes in Gogebic County are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists winter weather (Relatively Moderate), strong wind (Relatively Low) and hail (Relatively Low) as the leading hazards for Gogebic County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Gogebic County has 13 active NFIP flood policies on file.
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 | $107,200 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Strong Wind (Relatively Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 13 |
| Home insurance premium | $1,110 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)