Home Insurance in Britton, Michigan
The median home value in Britton is $161,100, 18% lower than the Lenawee County median.
The typical home in Britton was built around 1952. About 65% of homes were built before 1960, about 22 points above Lenawee County's 43%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Britton is 90% single-family homes and 5% apartments in buildings with 5+ units.
About 77% of owner-occupied homes in Britton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Britton has an owner-occupancy rate of 83% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Britton - 88% - are primarily heated with natural gas.
Lenawee County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Lenawee County had 60 active NFIP flood policies as of September 2026. See the full Lenawee 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 | $161,100 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 77% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Lenawee County | 60 |
| 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)