Home Insurance in Tustin, Michigan
The median home value in Tustin is $114,800, 26% lower than the Osceola County median.
The median home in Tustin was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 78% of homes were built before 1960, about 51 points above Osceola County's 27%.
In Tustin, the housing stock is 96% single-family homes and 2% mobile or manufactured homes.
63% of owner-occupied homes in Tustin carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Tustin has an owner-occupancy rate of 90% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Tustin - 88% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Osceola County had 42 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Osceola 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 | $114,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)