Home Insurance in Copemish, Michigan
Homes in Copemish carry a median value of $77,400 - 58% lower than the Manistee County median.
The typical home in Copemish was built around 1949. About 58% of homes were built before 1960, about 24 points above Manistee County's 34%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Copemish is 95% single-family homes and 5% mobile or manufactured homes.
33% of owner-occupied homes in Copemish carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Copemish has an owner-occupancy rate of 91% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
Most homes in Copemish - 82% - are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Manistee County's overall risk as Very Low, led by winter weather (Relatively High). Manistee County had 36 active NFIP flood policies as of September 2026. See the full Manistee 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 | $77,400 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Manistee County | 36 |
| 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)