Home Insurance in Kent County, Michigan
The median home value in Kent County is $289,900, 25% higher than the Michigan median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Kent County was built around 1977. About 33% of homes were built before 1960, about 3 points below Michigan's 36%.
In Kent County, the housing stock is 71% single-family homes, 17% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 63% of owner-occupied homes in Kent County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Kent County are owner-occupied.
Most homes in Kent County - 82% - are primarily heated with natural gas.
The top hazards for Kent County, per FEMA's National Risk Index, are strong wind (Very High), tornado (Relatively High) and winter weather (Relatively High).
As of September 2026, Kent County has 967 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $289,900 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Very High), Tornado (Relatively High), Winter Weather (Relatively High) |
| Active NFIP flood policies (county) | 967 |
| Home insurance premium | $1,110 - statewide average (NAIC, 2023 data) |
Towns and cities
- Caledonia
- Casnovia
- Cedar Springs
- East Grand Rapids
- Grand Rapids
- Grandville
- Kent City
- Kentwood
- Lowell
- Rockford
- Sand Lake
- Sparta
- Walker
- Wyoming
Sources
- 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)