Home Insurance in Lowell, Michigan
Homes in Lowell carry a median value of $228,400 - 21% 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 Lowell was built around 1968. About 34% of homes were built before 1960, about 2 points above Kent County's 33%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lowell is 71% single-family homes, 21% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
67% of owner-occupied homes in Lowell carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 70% of occupied homes in Lowell are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
74% of homes in Lowell are primarily heated with natural gas.
FEMA rates Kent County's overall risk as Relatively Moderate, led by strong wind (Very High). 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 | $228,400 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)