Home Insurance in Caledonia, Michigan
The median home value in Caledonia is $339,000, 17% higher than the Kent County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Caledonia was built around 1988. About 32% of homes were built before 1960, in line with Kent County (33%).
The housing stock in Caledonia is 80% single-family homes and 13% apartments in buildings with 5+ units.
In Caledonia, about 77% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Caledonia are owner-occupied.
Most homes in Caledonia - 84% - are primarily heated with natural gas.
Kent County's top FEMA-rated hazard is strong wind (Very High), per FEMA's National Risk Index. Kent County had 967 active NFIP flood policies as of September 2026. See the full Kent 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 | $339,000 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 77% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Kent County | 967 |
| 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)