Home Insurance in Howell, Michigan
The median home value in Howell is $265,600, 26% lower than the Livingston County median.
The typical home in Howell was built around 1979. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 24% of homes were built before 1960, about 10 points above Livingston County's 14%.
The housing stock in Howell is 47% single-family homes, 36% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 61% of owner-occupied homes in Howell have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Howell has an owner-occupancy rate of 54% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Howell - 81% - 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.
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 | $265,600 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)