Home Insurance in Byron, Michigan
Homes in Byron carry a median value of $165,400 - close to the Shiawassee County median.
The typical home in Byron was built around 1952. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 59% of homes were built before 1960, about 18 points above Shiawassee County's 40%.
In Byron, the housing stock is 81% single-family homes, 3% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 66% of owner-occupied homes in Byron have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Byron has an owner-occupancy rate of 84% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
86% of homes in Byron are primarily heated with natural gas.
What's the biggest home insurance risk near Byron? FEMA's National Risk Index points to strong wind (Relatively High) in Shiawassee County and Shiawassee County had 223 active NFIP flood policies as of September 2026. See the full Shiawassee 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 | $165,400 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Shiawassee County | 223 |
| 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)