Home Insurance in Almont, Michigan
With a median home value of $246,500, Almont is close to the Lapeer County median.
The typical home in Almont was built around 1985. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 26% of homes were built before 1960, in line with Lapeer County (26%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Almont is 82% single-family homes, 6% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
In Almont, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Almont has an owner-occupancy rate of 89% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Almont - 84% - are primarily heated with natural gas.
Lapeer County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Lapeer County had 51 active NFIP flood policies as of September 2026. See the full Lapeer 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 | $246,500 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Lapeer County | 51 |
| 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)