Home Insurance in Montague, Michigan
The median home value in Montague is $202,200, close to the Muskegon County median.
The typical home in Montague was built around 1960. About 50% of homes were built before 1960, about 9 points above Muskegon County's 41%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Montague, the housing stock is 80% single-family homes, 15% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
56% of owner-occupied homes in Montague 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 79% of occupied homes in Montague are owner-occupied.
Most homes in Montague - 86% - are primarily heated with natural gas.
Muskegon County had 137 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). 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 | $202,200 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)