Home Insurance in Clayton, Michigan
The median home value in Clayton is $86,700, 56% lower than the Lenawee County median.
The median home in Clayton was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 72% of homes were built before 1960, about 29 points above Lenawee County's 43%.
In Clayton, the housing stock is 99% single-family homes.
56% of owner-occupied homes in Clayton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Clayton has an owner-occupancy rate of 71% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Clayton, 89% of homes 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.
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 | $86,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)