Home Insurance in Kentwood, Michigan
Homes in Kentwood carry a median value of $268,200 - 7% lower than the Kent County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Kentwood was built around 1983. About 13% of homes were built before 1960, about 19 points below Kent County's 33%.
The housing stock in Kentwood is 60% single-family homes, 32% 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.
In Kentwood, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in Kentwood are owner-occupied.
In Kentwood, 84% of homes 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 | $268,200 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 61% |
| 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)