Home Insurance in Metamora, Michigan
The median home value in Metamora is $270,900, 13% higher than the Lapeer County median.
The typical home in Metamora was built around 1977. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 40% of homes were built before 1960, about 14 points above Lapeer County's 26%.
In Metamora, the housing stock is 84% single-family homes. The rest are 2-4 unit or other housing types.
In Metamora, about 76% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Metamora are owner-occupied.
Most homes in Metamora - 93% - 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.
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 | $270,900 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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)