Home Insurance in Muskegon Heights, Michigan
The median home value in Muskegon Heights is $68,000, 66% lower than the Muskegon County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Muskegon Heights was built around 1945. About 72% of homes were built before 1960, about 32 points above Muskegon County's 41%.
Housing in Muskegon Heights breaks down to 77% single-family homes, 15% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 40% of owner-occupied homes in Muskegon Heights have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 45% of occupied homes in Muskegon Heights are owner-occupied.
89% of homes in Muskegon Heights are primarily heated with natural gas.
Muskegon County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Michigan carries a statewide average premium of $1,110 per year.
Key figures
| Median home value | $68,000 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)