Home Insurance in Howard City, Michigan
The median home value in Howard City is $151,200, 18% lower than the Montcalm County median.
The typical home in Howard City was built around 1990. About 23% of homes were built before 1960, about 7 points below Montcalm County's 30%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Howard City is 60% single-family homes, 7% apartments in buildings with 5+ units and 26% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
69% of owner-occupied homes in Howard City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Howard City are owner-occupied.
Most homes in Howard City - 77% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Montcalm County had 12 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Montcalm 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 | $151,200 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)