Home Insurance in Midland, Michigan
The median home value in Midland is $203,900, close to the Midland County median.
The typical home in Midland was built around 1971. About 31% of homes were built before 1960, about 5 points above Midland County's 26%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Midland, the housing stock is 73% single-family homes, 20% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
57% of owner-occupied homes in Midland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Midland are owner-occupied.
In Midland, 79% of homes are primarily heated with natural gas.
Midland County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Midland County had 315 active NFIP flood policies as of September 2026. See the full Midland 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 | $203,900 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Midland County | 315 |
| 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)