Home Insurance in Ubly, Michigan
With a median home value of $111,700, Ubly is 28% lower than the Huron County median.
The typical home in Ubly was built around 1961. About 48% of homes were built before 1960, about 6 points above Huron County's 42%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Ubly, the housing stock is 78% single-family homes, 4% apartments in buildings with 5+ units and 5% 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.
About 38% of owner-occupied homes in Ubly have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 77% of occupied homes in Ubly are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Ubly - 87% - are primarily heated with natural gas.
What's the biggest home insurance risk near Ubly? FEMA's National Risk Index points to winter weather (Relatively High) in Huron County and 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 | $111,700 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)