Home Insurance in South Rockwood, Michigan
Homes in South Rockwood carry a median value of $226,500 - close to the Monroe County median.
The typical home in South Rockwood was built around 1987. About 29% of homes were built before 1960, about 5 points below Monroe County's 34%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in South Rockwood is 71% single-family homes and 20% apartments in buildings with 5+ units.
In South Rockwood, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 63% of occupied homes in South Rockwood are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In South Rockwood, 76% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near South Rockwood? FEMA's National Risk Index points to strong wind (Relatively High) in Monroe County and Monroe County had 884 active NFIP flood policies as of September 2026. 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 | $226,500 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)