Home Insurance in Ferrysburg, Michigan
The median home value in Ferrysburg is $239,900, 26% lower than the Ottawa County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Ferrysburg was built around 1981. About 26% of homes were built before 1960, about 7 points above Ottawa County's 19%.
Housing in Ferrysburg breaks down to 88% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
62% of owner-occupied homes in Ferrysburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Ferrysburg has an owner-occupancy rate of 91% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
91% of homes in Ferrysburg are primarily heated with natural gas.
What's the biggest home insurance risk near Ferrysburg? FEMA's National Risk Index points to strong wind (Relatively High) in Ottawa County and Ottawa County had 391 active NFIP flood policies as of September 2026. See the full Ottawa 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 | $239,900 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Ottawa County | 391 |
| Home insurance premium | $1,110 - statewide average (NAIC, 2023 data) |
Nearby towns
- Spring Lake
- Grand Haven
- Fruitport
- Norton Shores
- Muskegon Heights
- Roosevelt Park
- Muskegon
- Coopersville
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)