Home Insurance in Custer, Michigan
With a median home value of $131,300, Custer is 40% lower than the Mason County median.
The typical home in Custer was built around 1957. About 55% of homes were built before 1960, about 22 points above Mason County's 33%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Custer, the housing stock is 83% single-family homes, 5% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Custer, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Custer has an owner-occupancy rate of 85% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Custer - 82% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Mason County's overall risk as Very Low, led by winter weather (Relatively High). Mason County had 50 active NFIP flood policies as of September 2026. See the full Mason County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Michigan carries a statewide average premium of $1,110 per year.
Key figures
| Median home value | $131,300 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Mason County | 50 |
| 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)