Home Insurance in Armada, Michigan
Homes in Armada carry a median value of $274,300 - 12% higher than the Macomb County median.
The typical home in Armada was built around 1956. About 55% of homes were built before 1960, about 31 points above Macomb County's 25%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Armada breaks down to 89% single-family homes and 6% apartments in buildings with 5+ units.
73% of owner-occupied homes in Armada carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 86% of occupied homes in Armada are owner-occupied.
86% of homes in Armada are primarily heated with natural gas.
Macomb County's top FEMA-rated hazard is tornado (Very High), per FEMA's National Risk Index. Macomb County had 1,513 active NFIP flood policies as of September 2026. See the full Macomb 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 | $274,300 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Macomb County | 1,513 |
| 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)