Home Insurance in Daggett, Michigan
With a median home value of $108,000, Daggett is 29% lower than the Menominee County median.
The typical home in Daggett was built around 1954. About 64% of homes were built before 1960, about 24 points above Menominee County's 41%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Daggett is 83% single-family homes, 5% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
About 49% of owner-occupied homes in Daggett have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Daggett has an owner-occupancy rate of 88% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Most homes in Daggett - 65% - are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Daggett? FEMA's National Risk Index points to hail (Relatively Low) in Menominee County and Menominee County had 64 active NFIP flood policies as of September 2026. See the full Menominee 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 | $108,000 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Menominee County | 64 |
| 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)