Home Insurance in Birmingham, Michigan
With a median home value of $698,300, Birmingham is 103% higher than the Oakland County median.
The typical home in Birmingham was built around 1960. About 50% of homes were built before 1960, about 22 points above Oakland County's 28%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Birmingham, the housing stock is 77% single-family homes and 18% apartments in buildings with 5+ units.
71% of owner-occupied homes in Birmingham carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Birmingham has an owner-occupancy rate of 77% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Birmingham, 83% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Birmingham? FEMA's National Risk Index points to tornado (Very High) in Oakland County and 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.
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 | $698,300 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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
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)