Home Insurance in Macomb County, Michigan
The median home value in Macomb County is $243,900, 5% higher than the Michigan median.
The typical home in Macomb County was built around 1975. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 25% of homes were built before 1960, about 11 points below Michigan's 36%.
In Macomb County, the housing stock is 78% single-family homes, 14% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 62% of owner-occupied homes in Macomb County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Macomb County has an owner-occupancy rate of 75% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
88% of homes in Macomb County are primarily heated with natural gas.
The top hazards for Macomb County, per FEMA's National Risk Index, are tornado (Very High), strong wind (Very High) and inland flooding (Relatively High).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Macomb County has 1,513 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 | $243,900 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top hazards (FEMA National Risk Index) | Tornado (Very High), Strong Wind (Very High), Inland Flooding (Relatively High) |
| Active NFIP flood policies (county) | 1,513 |
| Home insurance premium | $1,110 - statewide average (NAIC, 2023 data) |
Towns and cities
- Armada
- Center Line
- Eastpointe
- Fraser
- Memphis
- Mount Clemens
- New Baltimore
- New Haven
- Richmond
- Romeo
- Roseville
- St. Clair Shores
- Sterling Heights
- Utica
- Village of Grosse Pointe Shores
- Warren
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)