Home Insurance in Pewamo, Michigan
With a median home value of $189,400, Pewamo is close to the Ionia County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Pewamo was built around 1967. About 41% of homes were built before 1960, in line with Ionia County (41%).
Housing in Pewamo breaks down to 94% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 65% of owner-occupied homes in Pewamo have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 88% of occupied homes in Pewamo are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Pewamo - 93% - 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 | $189,400 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)