Home Insurance in Springport, Michigan
With a median home value of $99,200, Springport is 49% lower than the Jackson County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Springport was built in 1939 or earlier. About 61% of homes were built before 1960, about 19 points above Jackson County's 42%.
In Springport, the housing stock is 74% single-family homes, 9% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
37% of owner-occupied homes in Springport carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Springport are owner-occupied.
In Springport, 90% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Springport? FEMA's National Risk Index points to tornado (Relatively High) in Jackson County and 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.
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 | $99,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)