Home Insurance in Lake Angelus, Michigan
Homes in Lake Angelus carry a median value of $1,052,100 - 206% higher than the Oakland County median.
The typical home in Lake Angelus was built around 1957. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 58% of homes were built before 1960, about 30 points above Oakland County's 28%.
Housing in Lake Angelus breaks down to 100% single-family homes.
In Lake Angelus, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lake Angelus has an owner-occupancy rate of 100% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
92% of homes in Lake Angelus are primarily heated with natural gas.
Oakland County's top FEMA-rated hazard is tornado (Very High), per FEMA's National Risk Index. 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 | $1,052,100 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 34% |
| 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
- Auburn Hills
- Sylvan Lake
- Village of Clarkston
- Orchard Lake Village
- Lake Orion
- Bloomfield Hills
- Rochester Hills
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)