Home Insurance in Presque Isle County, Michigan
With a median home value of $151,300, Presque Isle County is 35% lower than the Michigan median.
The typical home in Presque Isle County was built around 1973. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 33% of homes were built before 1960, about 3 points below Michigan's 36%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Presque Isle County is 90% single-family homes, 3% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
In Presque Isle County, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Presque Isle County has an owner-occupancy rate of 89% and a vacancy rate of 32%; unoccupied homes typically need a different coverage form.
53% of homes in Presque Isle County are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists hail (Relatively Low), inland flooding (Relatively Low) and hurricane (Very Low) as the leading hazards for Presque Isle County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. Presque Isle County has no active NFIP flood policies on file.
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 | $151,300 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Inland Flooding (Relatively Low), Hurricane (Very Low) |
| Home insurance premium | $1,110 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)