Home Insurance in Edmore, Michigan
The median home value in Edmore is $105,500, 43% lower than the Montcalm County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Edmore was built around 1962. About 47% of homes were built before 1960, about 17 points above Montcalm County's 30%.
In Edmore, the housing stock is 65% single-family homes, 12% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
66% of owner-occupied homes in Edmore carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 75% of occupied homes in Edmore are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Edmore - 89% - are primarily heated with natural gas.
What's the biggest home insurance risk near Edmore? FEMA's National Risk Index points to strong wind (Relatively High) in Montcalm County and Montcalm County had 12 active NFIP flood policies as of September 2026. See the full Montcalm 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 | $105,500 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Montcalm County | 12 |
| 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)