Home Insurance in Port Austin, Michigan
Homes in Port Austin carry a median value of $159,100 - close to the Huron County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Port Austin was built around 1980. About 29% of homes were built before 1960, about 13 points below Huron County's 42%.
In Port Austin, the housing stock is 69% single-family homes, 24% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
47% of owner-occupied homes in Port Austin carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Port Austin has an owner-occupancy rate of 63% and a vacancy rate of 47%; unoccupied homes typically need a different coverage form.
In Port Austin, 83% of homes 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 | $159,100 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)