Home Insurance in Camden, Michigan
Homes in Camden carry a median value of $103,100 - 41% lower than the Hillsdale County median.
The typical home in Camden was built around 1942. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 70% of homes were built before 1960, about 30 points above Hillsdale County's 41%.
The housing stock in Camden is 84% single-family homes, 5% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Camden, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Camden has an owner-occupancy rate of 67% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Camden - 85% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Camden? FEMA's National Risk Index points to tornado (Relatively Moderate) in Hillsdale County and Hillsdale County had 23 active NFIP flood policies as of September 2026. See the full Hillsdale 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 | $103,100 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Hillsdale County | 23 |
| 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)