Home Insurance in Keweenaw County, Michigan
With a median home value of $169,800, Keweenaw County is 27% lower than the Michigan median.
The typical home in Keweenaw County was built around 1961. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 49% of homes were built before 1960, about 14 points above Michigan's 36%.
Housing in Keweenaw County breaks down to 96% single-family homes, 1% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Keweenaw County, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Keweenaw County has an owner-occupancy rate of 91% and a vacancy rate of 51%; unoccupied homes typically need a different coverage form.
In Keweenaw County, 45% of homes are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists winter weather (Relatively Low), wildfire (Very Low) and coastal flooding (Very Low) as the leading hazards for Keweenaw County.
Keweenaw County has no active NFIP flood policies on file. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $169,800 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Low), Wildfire (Very Low), Coastal Flooding (Very Low) |
| Home insurance premium | $1,110 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)