Home Insurance in Luce County, Michigan
With a median home value of $112,000, Luce County is 52% lower than the Michigan median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Luce County was built around 1976. About 26% of homes were built before 1960, about 9 points below Michigan's 36%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Luce County is 86% single-family homes, 3% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
In Luce County, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Luce County has an owner-occupancy rate of 83% and a vacancy rate of 40%; unoccupied homes typically need a different coverage form.
42% of homes in Luce County are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Luce County, per FEMA's National Risk Index, are wildfire (Very Low), hail (Very Low) and inland flooding (Very Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. Luce County has no active NFIP flood policies on file.
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 | $112,000 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top hazards (FEMA National Risk Index) | Wildfire (Very Low), Hail (Very Low), Inland Flooding (Very Low) |
| 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)