Home Insurance in St. Charles, Michigan
The median home value in St. Charles is $118,500, 22% lower than the Saginaw County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in St. Charles was built around 1964. About 46% of homes were built before 1960, about 8 points above Saginaw County's 38%.
In St. Charles, the housing stock is 78% single-family homes, 11% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In St. Charles, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 69% of occupied homes in St. Charles are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In St. Charles, 87% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near St. Charles? FEMA's National Risk Index points to winter weather (Very High) in Saginaw County and Saginaw County had 1,098 active NFIP flood policies as of September 2026. See the full Saginaw 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 | $118,500 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Saginaw County | 1,098 |
| 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)