Home Insurance in Roseville, Michigan
With a median home value of $155,800, Roseville is 36% lower than the Macomb County median.
The typical home in Roseville was built around 1961. About 47% of homes were built before 1960, about 23 points above Macomb County's 25%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Roseville, the housing stock is 80% single-family homes, 14% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
61% of owner-occupied homes in Roseville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Roseville has an owner-occupancy rate of 66% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Roseville, 87% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Roseville? FEMA's National Risk Index points to tornado (Very High) in Macomb County and 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 | $155,800 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 66% |
| 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
- Fraser
- St. Clair Shores
- Eastpointe
- Warren
- Harper Woods
- Center Line
- Grosse Pointe Woods
- Village of Grosse Pointe Shores
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)