Home Insurance in Lennon, Michigan
With a median home value of $167,600, Lennon is close to the Shiawassee County median.
The typical home in Lennon was built around 1956. About 64% of homes were built before 1960, about 24 points above Shiawassee County's 40%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Lennon breaks down to 97% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
70% of owner-occupied homes in Lennon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 89% of occupied homes in Lennon are owner-occupied.
Most homes in Lennon - 78% - are primarily heated with natural gas.
Shiawassee County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Michigan carries a statewide average premium of $1,110 per year.
Key figures
| Median home value | $167,600 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)