Home Insurance in Zilwaukee, Michigan
With a median home value of $95,300, Zilwaukee is 38% lower than the Saginaw County median.
The typical home in Zilwaukee was built around 1959. About 54% of homes were built before 1960, about 16 points above Saginaw County's 38%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Zilwaukee, the housing stock is 95% single-family homes.
About 36% of owner-occupied homes in Zilwaukee have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Zilwaukee are owner-occupied.
In Zilwaukee, 86% of homes are primarily heated with natural gas.
FEMA rates Saginaw County's overall risk as Relatively Moderate, led by winter weather (Very High). 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 | $95,300 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)