Home Insurance in Clarksville, Michigan
With a median home value of $173,000, Clarksville is 13% lower than the Ionia County median.
The typical home in Clarksville was built around 1953. About 52% of homes were built before 1960, about 12 points above Ionia County's 41%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Clarksville, the housing stock is 75% single-family homes, 19% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
70% of owner-occupied homes in Clarksville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Clarksville has an owner-occupancy rate of 71% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
75% of homes in Clarksville are primarily heated with natural gas.
Ionia County had 100 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Ionia 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 | $173,000 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Ionia County | 100 |
| 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)