Home Insurance in Vicksburg, Michigan
Homes in Vicksburg carry a median value of $231,500 - close to the Kalamazoo County median.
The typical home in Vicksburg was built around 1988. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 30% of homes were built before 1960, about 2 points below Kalamazoo County's 32%.
In Vicksburg, the housing stock is 85% single-family homes and 8% apartments in buildings with 5+ units.
About 76% of owner-occupied homes in Vicksburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Vicksburg has an owner-occupancy rate of 78% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
In Vicksburg, 83% of homes are primarily heated with natural gas.
FEMA rates Kalamazoo County's overall risk as Relatively Moderate, led by hail (Relatively High). 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 | $231,500 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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)