Home Insurance in East Tawas, Michigan
Homes in East Tawas carry a median value of $130,200 - 8% lower than the Iosco County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in East Tawas was built around 1972. About 35% of homes were built before 1960, about 6 points above Iosco County's 29%.
In East Tawas, the housing stock is 79% single-family homes, 16% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In East Tawas, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 68% of occupied homes in East Tawas are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In East Tawas, 85% of homes are primarily heated with natural gas.
FEMA rates Iosco County's overall risk as Very Low, led by winter weather (Relatively Moderate). Iosco County had 192 active NFIP flood policies as of September 2026. See the full Iosco 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 | $130,200 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Iosco County | 192 |
| 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)