Home Insurance in Cedar Springs, Michigan
Homes in Cedar Springs carry a median value of $214,000 - 26% lower than the Kent County median.
The typical home in Cedar Springs was built around 1977. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 38% of homes were built before 1960, about 6 points above Kent County's 33%.
The housing stock in Cedar Springs is 54% single-family homes, 13% apartments in buildings with 5+ units and 14% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 62% of owner-occupied homes in Cedar Springs have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Cedar Springs has an owner-occupancy rate of 58% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
89% of homes in Cedar Springs 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.
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 | $214,000 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)