Home Insurance in Port Hope, Michigan
Homes in Port Hope carry a median value of $88,700 - 43% lower than 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 Hope was built around 1951. About 62% of homes were built before 1960, about 20 points above Huron County's 42%.
In Port Hope, the housing stock is 94% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Port Hope, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 43%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 95% of occupied homes in Port Hope are owner-occupied.
Most homes in Port Hope - 98% - 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.
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 | $88,700 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)