Home Insurance in Onsted, Michigan
Homes in Onsted carry a median value of $170,700 - 13% lower than the Lenawee County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Onsted was built around 1976. About 43% of homes were built before 1960, in line with Lenawee County (43%).
Housing in Onsted breaks down to 79% single-family homes and 13% apartments in buildings with 5+ units.
About 57% of owner-occupied homes in Onsted have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Onsted has an owner-occupancy rate of 73% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Onsted - 77% - are primarily heated with natural gas.
Lenawee County had 60 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). 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 | $170,700 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)