Home Insurance in Muskegon, Michigan
Homes in Muskegon carry a median value of $142,300 - 28% lower than the Muskegon County median.
The typical home in Muskegon was built around 1951. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 63% of homes were built before 1960, about 23 points above Muskegon County's 41%.
In Muskegon, the housing stock is 69% single-family homes, 19% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 52% of owner-occupied homes in Muskegon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 53% of occupied homes in Muskegon are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
84% of homes in Muskegon 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.
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 | $142,300 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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
- Muskegon Heights
- Roosevelt Park
- Norton Shores
- Fruitport
- Ferrysburg
- Spring Lake
- Grand Haven
- Whitehall
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)