Home Insurance in Rose City, Michigan
Homes in Rose City carry a median value of $101,700 - 34% lower than the Ogemaw County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Rose City was built around 1969. About 40% of homes were built before 1960, about 14 points above Ogemaw County's 26%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Rose City is 63% single-family homes, 23% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
About 54% of owner-occupied homes in Rose City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 53% of occupied homes in Rose City are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
84% of homes in Rose City are primarily heated with natural gas.
What's the biggest home insurance risk near Rose City? FEMA's National Risk Index points to hail (Relatively Moderate) in Ogemaw County and Ogemaw County has no active NFIP flood policies on file. See the full Ogemaw 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 | $101,700 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Hail (Relatively Moderate) |
| 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)