Home Insurance in Fruitport, Michigan
Homes in Fruitport carry a median value of $218,300 - 10% higher than the Muskegon County median.
The typical home in Fruitport was built around 1964. About 39% of homes were built before 1960, about 1 point below Muskegon County's 41%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Fruitport, the housing stock is 93% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
59% of owner-occupied homes in Fruitport carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 89% of occupied homes in Fruitport are owner-occupied.
Most homes in Fruitport - 94% - are primarily heated with natural gas.
What's the biggest home insurance risk near Fruitport? FEMA's National Risk Index points to strong wind (Relatively High) in Muskegon County and Muskegon County had 137 active NFIP flood policies as of September 2026. See the full Muskegon 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 | $218,300 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Muskegon County | 137 |
| 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)