Home Insurance in Muir, Michigan
Homes in Muir carry a median value of $143,100 - 28% lower than the Ionia County median.
The typical home in Muir was built around 1964. About 45% of homes were built before 1960, about 4 points above Ionia County's 41%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Muir is 60% single-family homes, 24% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Muir, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 53% of occupied homes in Muir are owner-occupied.
In Muir, 69% of homes are primarily heated with natural gas.
Ionia County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Ionia County had 100 active NFIP flood policies as of September 2026. See the full Ionia 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 | $143,100 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)