Home Insurance in Manistee, Michigan
Homes in Manistee carry a median value of $164,100 - 10% lower than the Manistee County median.
The typical home in Manistee was built around 1953. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 62% of homes were built before 1960, about 28 points above Manistee County's 34%.
Housing in Manistee breaks down to 78% single-family homes and 12% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
56% of owner-occupied homes in Manistee carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 73% of occupied homes in Manistee are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
83% of homes in Manistee are primarily heated with natural gas.
Manistee County had 36 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). 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 | $164,100 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)