Home Insurance in Auburn Hills, Michigan
With a median home value of $245,000, Auburn Hills is 29% lower than the Oakland County median.
The typical home in Auburn Hills was built around 1991. About 15% of homes were built before 1960, about 13 points below Oakland County's 28%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Auburn Hills is 52% single-family homes, 36% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 53% of owner-occupied homes in Auburn Hills have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Auburn Hills has an owner-occupancy rate of 51% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Auburn Hills, 82% of homes are primarily heated with natural gas.
FEMA rates Oakland County's overall risk as Relatively High, led by tornado (Very High). Oakland County had 1,433 active NFIP flood policies as of September 2026. See the full Oakland 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 | $245,000 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Oakland County | 1,433 |
| Home insurance premium | $1,110 - statewide average (NAIC, 2023 data) |
Nearby towns
- Pontiac
- Lake Angelus
- Rochester Hills
- Sylvan Lake
- Bloomfield Hills
- Lake Orion
- Troy
- Orchard Lake Village
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)