Home Insurance in Center Line, Michigan
The median home value in Center Line is $156,600, 36% lower than the Macomb County median.
The typical home in Center Line was built around 1960. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 50% of homes were built before 1960, about 26 points above Macomb County's 25%.
Housing in Center Line breaks down to 65% single-family homes and 31% apartments in buildings with 5+ units.
In Center Line, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Center Line has an owner-occupancy rate of 52% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
In Center Line, 82% of homes 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.
The statewide average premium for a standard HO-3 homeowners policy in Michigan is $1,110 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $156,600 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)