Home Insurance in Ingham County, Michigan
Homes in Ingham County carry a median value of $198,800 - 14% lower than the Michigan median.
The typical home in Ingham County was built around 1971. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 36% of homes were built before 1960, in line with Michigan (36%).
The housing stock in Ingham County is 65% single-family homes, 26% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Ingham County, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 59% of occupied homes in Ingham County are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Ingham County, 69% of homes are primarily heated with natural gas.
FEMA's National Risk Index lists strong wind (Very High), tornado (Relatively High) and hail (Relatively Moderate) as the leading hazards for Ingham County.
Ingham County had 716 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $198,800 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Very High), Tornado (Relatively High), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 716 |
| Home insurance premium | $1,110 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)