Home Insurance in Onekama, Michigan
With a median home value of $185,300, Onekama is close to the Manistee County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Onekama was built around 1959. About 51% of homes were built before 1960, about 17 points above Manistee County's 34%.
The housing stock in Onekama is 97% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Onekama, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 38%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 94% of occupied homes in Onekama are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 50% of homes in Onekama are primarily heated with natural gas.
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.
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 | $185,300 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)