Home Insurance in Pierson, Michigan
With a median home value of $100,000, Pierson is 46% 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 Pierson was built around 1951. About 72% of homes were built before 1960, about 42 points above Montcalm County's 30%.
In Pierson, the housing stock is 85% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
43% of owner-occupied homes in Pierson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 78% of occupied homes in Pierson are owner-occupied.
Most homes in Pierson - 54% - 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.
What's the biggest home insurance risk near Pierson? 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Michigan carries a statewide average premium of $1,110 per year.
Key figures
| Median home value | $100,000 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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)