Home Insurance in Rochester Hills, Michigan
With a median home value of $409,800, Rochester Hills is 19% higher than the Oakland County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Rochester Hills was built around 1984. About 11% of homes were built before 1960, about 17 points below Oakland County's 28%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Rochester Hills is 76% single-family homes, 16% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
About 63% of owner-occupied homes in Rochester Hills have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Rochester Hills has an owner-occupancy rate of 77% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Rochester Hills, 90% 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.
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 | $409,800 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)