Home Insurance in Dundee, Michigan
With a median home value of $257,300, Dundee is 12% higher than the Monroe County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Dundee was built around 2002. About 27% of homes were built before 1960, about 7 points below Monroe County's 34%.
The housing stock in Dundee is 57% single-family homes, 30% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 80% of owner-occupied homes in Dundee have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 59% of occupied homes in Dundee are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Dundee - 69% - are primarily heated with natural gas.
Monroe County had 884 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Monroe 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 | $257,300 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 80% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Monroe County | 884 |
| 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)