Home Insurance in Augusta, Michigan
Homes in Augusta carry a median value of $140,600 - 42% lower than the Kalamazoo County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Augusta was built around 1956. About 58% of homes were built before 1960, about 27 points above Kalamazoo County's 32%.
The housing stock in Augusta is 85% single-family homes, 12% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 65% of owner-occupied homes in Augusta have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 68% of occupied homes in Augusta are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Augusta, 81% of homes are primarily heated with natural gas.
Kalamazoo County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Kalamazoo County had 212 active NFIP flood policies as of September 2026. See the full Kalamazoo 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 | $140,600 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Kalamazoo County | 212 |
| 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)