Home Insurance in Casnovia, Michigan
With a median home value of $175,000, Casnovia is 40% lower than the Kent County median.
The median home in Casnovia was built in 1939 or earlier. About 69% of homes were built before 1960, about 37 points above Kent County's 33%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Casnovia is 89% single-family homes and 6% mobile or manufactured homes.
About 59% of owner-occupied homes in Casnovia have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Casnovia are owner-occupied.
89% of homes in Casnovia are primarily heated with natural gas.
Kent County had 967 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Very High). See the full Kent 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 | $175,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)