Home Insurance in Scottville, Michigan
The median home value in Scottville is $134,300, 39% lower than the Mason County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Scottville was built around 1960. About 50% of homes were built before 1960, about 17 points above Mason County's 33%.
Housing in Scottville breaks down to 68% single-family homes, 22% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 60% of owner-occupied homes in Scottville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Scottville has an owner-occupancy rate of 60% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Scottville, 82% of homes are primarily heated with natural gas.
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.
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 | $134,300 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)