Home Insurance in Missaukee County, Michigan
With a median home value of $170,400, Missaukee County is 26% lower than the Michigan median.
The typical home in Missaukee County was built around 1980. About 20% of homes were built before 1960, about 16 points below Michigan's 36%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Missaukee County, the housing stock is 82% single-family homes, 1% apartments in buildings with 5+ units and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
50% of owner-occupied homes in Missaukee County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 32%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in Missaukee County are owner-occupied.
In Missaukee County, 43% of homes are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists winter weather (Relatively Moderate), hail (Relatively Low) and strong wind (Relatively Low) as the leading hazards for Missaukee County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. Missaukee County has no active NFIP flood policies on file.
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 | $170,400 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Hail (Relatively Low), Strong Wind (Relatively Low) |
| 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)