Home Insurance in Fowlerville, Michigan
With a median home value of $192,000, Fowlerville is 46% lower than the Livingston County median.
The typical home in Fowlerville was built around 1972. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 44% of homes were built before 1960, about 30 points above Livingston County's 14%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Fowlerville is 62% single-family homes, 16% apartments in buildings with 5+ units and 13% mobile or manufactured homes.
About 51% of owner-occupied homes in Fowlerville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Fowlerville has an owner-occupancy rate of 66% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Fowlerville - 82% - are primarily heated with natural gas.
Livingston County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Livingston County had 236 active NFIP flood policies as of September 2026. See the full Livingston 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 | $192,000 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Livingston County | 236 |
| 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)