Home Insurance in Roosevelt Park, Michigan
Homes in Roosevelt Park carry a median value of $193,300 - close to 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 Roosevelt Park was built around 1964. About 38% of homes were built before 1960, about 3 points below Muskegon County's 41%.
The housing stock in Roosevelt Park is 73% single-family homes and 24% apartments in buildings with 5+ units.
About 69% of owner-occupied homes in Roosevelt Park have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Roosevelt Park has an owner-occupancy rate of 66% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
87% of homes in Roosevelt Park 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.
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 | $193,300 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)