Home Insurance in Zeeland, Michigan
Homes in Zeeland carry a median value of $299,000 - 8% lower than the Ottawa County median.
The typical home in Zeeland was built around 1967. About 46% of homes were built before 1960, about 26 points above Ottawa County's 19%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Zeeland, the housing stock is 59% single-family homes, 14% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
61% of owner-occupied homes in Zeeland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Zeeland has an owner-occupancy rate of 64% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Zeeland, 86% of homes 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.
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 | $299,000 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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
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)