Home Insurance in New Baltimore, Michigan
The median home value in New Baltimore is $323,200, 33% higher than the Macomb County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in New Baltimore was built around 1995. About 21% of homes were built before 1960, about 4 points below Macomb County's 25%.
Housing in New Baltimore breaks down to 84% single-family homes and 10% apartments in buildings with 5+ units.
68% of owner-occupied homes in New Baltimore carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
New Baltimore has an owner-occupancy rate of 84% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In New Baltimore, 89% 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 | $323,200 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)