Home Insurance in St. Ignace, Michigan
With a median home value of $132,200, St. Ignace is 24% lower than the Mackinac County median.
The typical home in St. Ignace was built around 1965. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 45% of homes were built before 1960, about 13 points above Mackinac County's 31%.
In St. Ignace, the housing stock is 77% single-family homes, 15% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
45% of owner-occupied homes in St. Ignace carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 64% of occupied homes in St. Ignace are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
75% of homes in St. Ignace are primarily heated with natural gas.
What's the biggest home insurance risk near St. Ignace? FEMA's National Risk Index points to wildfire (Very Low) in Mackinac County and Mackinac County had 48 active NFIP flood policies as of September 2026. See the full Mackinac 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 | $132,200 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in Mackinac County | 48 |
| 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)