Home Insurance in New Haven, Michigan
The median home value in New Haven is $209,000, 14% lower than the Macomb County median.
The typical home in New Haven was built around 2002. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 14% of homes were built before 1960, about 11 points below Macomb County's 25%.
The housing stock in New Haven is 59% single-family homes, 5% apartments in buildings with 5+ units and 33% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In New Haven, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
New Haven has an owner-occupancy rate of 77% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in New Haven - 87% - 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 | $209,000 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)