Home Insurance in Dansville, Michigan
The median home value in Dansville is $206,000, close to the Ingham County median.
The typical home in Dansville was built around 1953. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 53% of homes were built before 1960, about 17 points above Ingham County's 36%.
In Dansville, the housing stock is 96% single-family homes.
About 76% of owner-occupied homes in Dansville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 92% of occupied homes in Dansville are owner-occupied.
79% of homes in Dansville are primarily heated with natural gas.
FEMA rates Ingham County's overall risk as Relatively Moderate, led by strong wind (Very High). Ingham County had 716 active NFIP flood policies as of September 2026. See the full Ingham 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 | $206,000 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Ingham County | 716 |
| 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)