Home Insurance in Roscommon County, Michigan
The median home value in Roscommon County is $158,700, 31% lower than the Michigan median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Roscommon County was built around 1976. About 18% of homes were built before 1960, about 18 points below Michigan's 36%.
In Roscommon County, the housing stock is 88% single-family homes, 2% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
46% of owner-occupied homes in Roscommon County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 50%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in Roscommon County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 69% of homes in Roscommon County are primarily heated with natural gas.
FEMA's National Risk Index lists winter weather (Relatively High), inland flooding (Relatively Low) and wildfire (Relatively Low) as the leading hazards for Roscommon County.
As of September 2026, Roscommon County has 7 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $158,700 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Inland Flooding (Relatively Low), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 7 |
| 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)