Home Insurance in Clifford, Michigan
With a median home value of $112,500, Clifford is 53% lower than the Lapeer County median.
The typical home in Clifford was built around 1946. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 61% of homes were built before 1960, about 35 points above Lapeer County's 26%.
In Clifford, the housing stock is 94% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 50% of owner-occupied homes in Clifford have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Clifford has an owner-occupancy rate of 94% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Clifford, 69% of homes are primarily heated with natural gas. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Lapeer County's overall risk as Relatively Low, led by strong wind (Relatively High). 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 | $112,500 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)