Home Insurance in Clinton, Michigan
Homes in Clinton carry a median value of $186,700 - 5% lower than the Lenawee County median.
The typical home in Clinton was built around 1972. About 37% of homes were built before 1960, about 6 points below 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 Clinton is 77% single-family homes, 1% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 62% of owner-occupied homes in Clinton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 93% of occupied homes in Clinton are owner-occupied.
92% of homes in Clinton are primarily heated with natural gas.
What's the biggest home insurance risk near Clinton? FEMA's National Risk Index points to strong wind (Relatively High) in Lenawee County and 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.
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 | $186,700 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)