Home Insurance in Deerfield, Michigan
With a median home value of $167,600, Deerfield is 15% lower than the Lenawee County median.
The typical home in Deerfield was built around 1958. About 54% of homes were built before 1960, about 11 points above Lenawee County's 43%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Deerfield breaks down to 91% single-family homes and 6% apartments in buildings with 5+ units.
74% of owner-occupied homes in Deerfield carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Deerfield has an owner-occupancy rate of 86% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Deerfield - 85% - are primarily heated with natural gas.
What's the biggest home insurance risk near Deerfield? 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.
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 | $167,600 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)