Home Insurance in Roscommon, Michigan
The median home value in Roscommon is $93,900, 41% lower than the Roscommon County median.
The typical home in Roscommon was built around 1972. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 27% of homes were built before 1960, about 9 points above Roscommon County's 18%.
Housing in Roscommon breaks down to 68% single-family homes, 24% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
58% of owner-occupied homes in Roscommon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Roscommon has an owner-occupancy rate of 67% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Roscommon, 85% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Roscommon? FEMA's National Risk Index points to winter weather (Relatively High) in Roscommon County and Roscommon County had 7 active NFIP flood policies as of September 2026. See the full Roscommon 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 | $93,900 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Roscommon County | 7 |
| 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)