Home Insurance in Utica, Michigan
Homes in Utica carry a median value of $231,100 - 5% lower 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 Utica was built around 1976. About 25% of homes were built before 1960, in line with Macomb County (25%).
In Utica, the housing stock is 59% single-family homes, 32% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 63% of owner-occupied homes in Utica have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 59% of occupied homes in Utica are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Utica - 87% - are primarily heated with natural gas.
What's the biggest home insurance risk near Utica? 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.
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 | $231,100 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)