Home Insurance in Hubbardston, Michigan
The median home value in Hubbardston is $128,400, 35% lower than the Ionia County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hubbardston was built around 1948. About 59% of homes were built before 1960, about 19 points above Ionia County's 41%.
In Hubbardston, the housing stock is 85% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Hubbardston, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 95% of occupied homes in Hubbardston are owner-occupied.
Most homes in Hubbardston - 77% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
In Michigan, the statewide average premium for a standard HO-3 homeowners policy is $1,110 per year (NAIC, 2023 data).
Key figures
| Median home value | $128,400 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)