Home Insurance in Village of Grosse Pointe Shores, Michigan
The median home value in Village of Grosse Pointe Shores is $733,500, 201% higher than the Macomb County median.
The typical home in Village of Grosse Pointe Shores was built around 1961. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 47% of homes were built before 1960, about 22 points above Macomb County's 25%.
The housing stock in Village of Grosse Pointe Shores is 100% single-family homes.
In Village of Grosse Pointe Shores, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 98% of occupied homes in Village of Grosse Pointe Shores are owner-occupied.
91% of homes in Village of Grosse Pointe 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.
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 | $733,500 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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
- Grosse Pointe Woods
- St. Clair Shores
- Harper Woods
- Grosse Pointe Farms
- Eastpointe
- Grosse Pointe
- Roseville
- Grosse Pointe Park
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)