Home Insurance in Eastpointe, Michigan
Homes in Eastpointe carry a median value of $142,200 - 42% lower than the Macomb County median.
The typical home in Eastpointe was built around 1954. About 78% of homes were built before 1960, about 54 points above Macomb County's 25%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Eastpointe is 92% single-family homes and 6% apartments in buildings with 5+ units.
About 64% of owner-occupied homes in Eastpointe have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 70% of occupied homes in Eastpointe are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Eastpointe - 89% - are primarily heated with natural gas.
Macomb County had 1,513 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Very High). 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 | $142,200 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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
- Harper Woods
- Roseville
- Grosse Pointe Woods
- St. Clair Shores
- Village of Grosse Pointe Shores
- Center Line
- Warren
- Fraser
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)