Home Insurance in St. Clair Shores, Michigan
The median home value in St. Clair Shores is $210,700, 14% lower than the Macomb County median.
The typical home in St. Clair Shores was built around 1957. About 63% of homes were built before 1960, about 38 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.
Housing in St. Clair Shores breaks down to 87% single-family homes, 10% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 62% of owner-occupied homes in St. Clair Shores have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
St. Clair Shores has an owner-occupancy rate of 83% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
89% of homes in St. Clair Shores 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Michigan carries a statewide average premium of $1,110 per year.
Key figures
| Median home value | $210,700 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 83% |
| 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
- Roseville
- Village of Grosse Pointe Shores
- Eastpointe
- Grosse Pointe Woods
- Fraser
- Harper Woods
- Grosse Pointe Farms
- Warren
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)