Home Insurance in Mason County, Michigan
Homes in Mason County carry a median value of $219,600 - 5% lower than the Michigan median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Mason County was built around 1976. About 33% of homes were built before 1960, about 3 points below Michigan's 36%.
In Mason County, the housing stock is 77% single-family homes, 9% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Mason County, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Mason County are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Mason County, 49% of homes are primarily heated with natural gas.
The top hazards for Mason County, per FEMA's National Risk Index, are winter weather (Relatively High), strong wind (Relatively Moderate) and inland flooding (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Mason County has 50 active NFIP flood policies on file.
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 | $219,600 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Strong Wind (Relatively Moderate), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 50 |
| Home insurance premium | $1,110 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)