Home Insurance in Hart, Michigan
The median home value in Hart is $140,900, 26% lower than the Oceana County median.
The typical home in Hart was built around 1946. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 67% of homes were built before 1960, about 37 points above Oceana County's 30%.
Housing in Hart breaks down to 78% single-family homes, 11% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Hart, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Hart are owner-occupied.
In Hart, 88% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Hart? FEMA's National Risk Index points to strong wind (Relatively High) in Oceana County and Oceana County had 58 active NFIP flood policies as of September 2026. See the full Oceana 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 | $140,900 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Oceana County | 58 |
| 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)