Home Insurance in Village of Clarkston, Michigan
The median home value in Village of Clarkston is $457,800, 33% higher than the Oakland County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Village of Clarkston was built around 1957. About 55% of homes were built before 1960, about 27 points above Oakland County's 28%.
In Village of Clarkston, the housing stock is 64% single-family homes and 9% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 64% of owner-occupied homes in Village of Clarkston have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Village of Clarkston has an owner-occupancy rate of 60% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Village of Clarkston, 83% of homes are primarily heated with natural gas.
Oakland County had 1,433 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Very High). See the full Oakland 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 | $457,800 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)