Home Insurance in Lansing, Michigan
With a median home value of $128,700, Lansing is 35% lower than the Ingham County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Lansing was built around 1959. About 51% of homes were built before 1960, about 15 points above Ingham County's 36%.
The housing stock in Lansing is 66% single-family homes, 25% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
64% of owner-occupied homes in Lansing carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lansing has an owner-occupancy rate of 54% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Lansing - 75% - are primarily heated with natural gas.
What's the biggest home insurance risk near Lansing? FEMA's National Risk Index points to strong wind (Very High) in Ingham County and 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.
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 | $128,700 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)