Home Insurance in Montmorency County, Michigan
The median home value in Montmorency County is $158,600, 32% lower than the Michigan median.
The typical home in Montmorency County was built around 1975. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 26% of homes were built before 1960, about 10 points below Michigan's 36%.
In Montmorency County, the housing stock is 88% single-family homes, 2% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Montmorency County, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 88% of occupied homes in Montmorency County are owner-occupied. The vacancy rate is 45%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 55% of homes in Montmorency County are primarily heated with natural gas.
FEMA's National Risk Index lists wildfire (Very Low), inland flooding (Relatively Low) and hail (Very Low) as the leading hazards for Montmorency County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. Montmorency County has no active NFIP flood policies on file.
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 | $158,600 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top hazards (FEMA National Risk Index) | Wildfire (Very Low), Inland Flooding (Relatively Low), Hail (Very Low) |
| Home insurance premium | $1,110 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)