Home Insurance in Hillman, Michigan
Homes in Hillman carry a median value of $87,000 - 45% lower than the Montmorency County median.
The typical home in Hillman was built around 1973. About 36% of homes were built before 1960, about 10 points above Montmorency County's 26%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hillman is 68% single-family homes, 20% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
In Hillman, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hillman has an owner-occupancy rate of 66% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
79% of homes in Hillman are primarily heated with natural gas.
What's the biggest home insurance risk near Hillman? FEMA's National Risk Index points to wildfire (Very Low) in Montmorency County and Montmorency County has no active NFIP flood policies on file. See the full Montmorency 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 | $87,000 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Wildfire (Very Low) |
| 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)