Home Insurance in Hillsdale, Michigan
With a median home value of $130,900, Hillsdale is 26% lower than the Hillsdale County median.
The typical home in Hillsdale was built around 1951. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 64% of homes were built before 1960, about 24 points above Hillsdale County's 41%.
In Hillsdale, the housing stock is 60% single-family homes, 24% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
69% of owner-occupied homes in Hillsdale carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 54% of occupied homes in Hillsdale are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Hillsdale - 76% - are primarily heated with natural gas.
What's the biggest home insurance risk near Hillsdale? 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 | $130,900 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)