Home Insurance in Northport, Michigan
With a median home value of $295,200, Northport is 36% lower than the Leelanau County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Northport was built around 1961. About 50% of homes were built before 1960, about 34 points above Leelanau County's 16%.
In Northport, the housing stock is 92% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Northport, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 37%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 91% of occupied homes in Northport are owner-occupied.
Most homes in Northport - 73% - are primarily heated with natural gas. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Leelanau County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Leelanau County had 125 active NFIP flood policies as of September 2026. See the full Leelanau County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Michigan carries a statewide average premium of $1,110 per year.
Key figures
| Median home value | $295,200 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Leelanau County | 125 |
| 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)