Home Insurance in Owendale, Michigan
Homes in Owendale carry a median value of $67,800 - 56% lower than the Huron County median.
The typical home in Owendale was built around 1960. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 51% of homes were built before 1960, about 8 points above Huron County's 42%.
In Owendale, the housing stock is 92% single-family homes, 1% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
45% of owner-occupied homes in Owendale carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Owendale has an owner-occupancy rate of 84% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
95% of homes in Owendale are primarily heated with natural gas.
Huron County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Huron County had 220 active NFIP flood policies as of September 2026. See the full Huron County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Michigan is $1,110 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $67,800 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Huron County | 220 |
| 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)