Home Insurance in Jackson, Michigan
With a median home value of $103,200, Jackson is 47% lower than the Jackson County median.
The median home in Jackson was built in 1939 or earlier. About 73% of homes were built before 1960, about 31 points above Jackson County's 42%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Jackson breaks down to 67% single-family homes and 15% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
61% of owner-occupied homes in Jackson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Jackson has an owner-occupancy rate of 55% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Jackson, 79% of homes are primarily heated with natural gas.
Jackson County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Jackson County had 177 active NFIP flood policies as of September 2026. See the full Jackson 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 | $103,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Jackson County | 177 |
| 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)