Home Insurance in Muskegon County, Michigan
The median home value in Muskegon County is $198,300, 14% lower than the Michigan median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Muskegon County was built around 1969. About 41% of homes were built before 1960, about 5 points above Michigan's 36%.
In Muskegon County, the housing stock is 80% single-family homes, 9% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Muskegon County, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 78% of occupied homes in Muskegon County are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Muskegon County, 80% of homes 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.
The top hazards for Muskegon County, per FEMA's National Risk Index, are strong wind (Relatively High), tornado (Relatively Moderate) and inland flooding (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Muskegon County has 137 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 | $198,300 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Tornado (Relatively Moderate), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 137 |
| Home insurance premium | $1,110 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Lakewood Club
- Median home value: $157,300
- Median year built: 1995
- Owner-occupied share: 90%
-
North Muskegon
- Median home value: $264,200
- Median year built: 1958
- Owner-occupied share: 79%
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)