Home Insurance in Spring Lake, Michigan
With a median home value of $320,200, Spring Lake is close to the Ottawa County median.
The typical home in Spring Lake was built around 1958. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 52% of homes were built before 1960, about 33 points above Ottawa County's 19%.
In Spring Lake, the housing stock is 84% single-family homes and 14% apartments in buildings with 5+ units.
About 58% of owner-occupied homes in Spring Lake have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Spring Lake has an owner-occupancy rate of 90% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Spring Lake - 93% - are primarily heated with natural gas.
Ottawa County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. 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 | $320,200 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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
- Grand Haven
- Ferrysburg
- 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)