Home Insurance in Evart, Michigan
Homes in Evart carry a median value of $105,500 - 32% lower than the Osceola County median.
The typical home in Evart was built around 1965. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 47% of homes were built before 1960, about 20 points above Osceola County's 27%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Evart is 67% single-family homes, 13% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
62% of owner-occupied homes in Evart carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Evart has an owner-occupancy rate of 53% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
81% of homes in Evart are primarily heated with natural gas.
Osceola County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Osceola County had 42 active NFIP flood policies as of September 2026. See the full Osceola 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 | $105,500 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Osceola County | 42 |
| 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)