Home Insurance in Menominee County, Michigan
Homes in Menominee County carry a median value of $151,800 - 34% lower than the Michigan median.
The typical home in Menominee County was built around 1970. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 41% of homes were built before 1960, about 5 points above Michigan's 36%.
The housing stock in Menominee County is 82% single-family homes, 7% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Menominee County, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Menominee County has an owner-occupancy rate of 81% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 52% of homes in Menominee County are primarily heated with natural gas.
The top hazards for Menominee County, per FEMA's National Risk Index, are hail (Relatively Low), winter weather (Relatively Low) and inland flooding (Relatively Low).
As of September 2026, Menominee County has 64 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $151,800 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Winter Weather (Relatively Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 64 |
| 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)