Home Insurance in Mount Clemens, Michigan
Homes in Mount Clemens carry a median value of $179,400 - 26% lower than the Macomb County median.
The typical home in Mount Clemens was built around 1955. About 62% of homes were built before 1960, about 37 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 Mount Clemens is 67% single-family homes, 18% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Mount Clemens, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Mount Clemens has an owner-occupancy rate of 59% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Mount Clemens, 79% of homes 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.
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 | $179,400 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)