Home Insurance in Tecumseh, Michigan
With a median home value of $216,700, Tecumseh is 10% higher than the Lenawee County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Tecumseh was built around 1975. About 38% of homes were built before 1960, about 5 points below Lenawee County's 43%.
The housing stock in Tecumseh is 72% single-family homes, 13% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 63% of owner-occupied homes in Tecumseh have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 70% of occupied homes in Tecumseh are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Tecumseh - 78% - are primarily heated with natural gas.
FEMA rates Lenawee County's overall risk as Relatively Low, led by strong wind (Relatively High). 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 | $216,700 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)