Home Insurance in Livingston County, Michigan
With a median home value of $356,800, Livingston County is 54% higher than the Michigan median.
The typical home in Livingston County was built around 1991. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 14% of homes were built before 1960, about 22 points below Michigan's 36%.
The housing stock in Livingston County is 83% single-family homes, 8% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
67% of owner-occupied homes in Livingston County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Livingston County has an owner-occupancy rate of 87% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Livingston County, 78% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Livingston County's top hazards are strong wind (Relatively High), tornado (Relatively High) and inland flooding (Relatively Moderate).
As of September 2026, Livingston County has 236 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $356,800 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Tornado (Relatively High), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 236 |
| Home insurance premium | $1,110 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)