Home Insurance in Warren, Michigan
With a median home value of $193,400, Warren is 21% lower than the Macomb County median.
The typical home in Warren was built around 1965. About 32% of homes were built before 1960, about 7 points above Macomb County's 25%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Warren, the housing stock is 82% single-family homes, 11% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Warren, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Warren has an owner-occupancy rate of 71% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Warren - 88% - are primarily heated with natural gas.
FEMA rates Macomb County's overall risk as Relatively High, led by tornado (Very High). 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.
In Michigan, the statewide average premium for a standard HO-3 homeowners policy is $1,110 per year (NAIC, 2023 data).
Key figures
| Median home value | $193,400 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)