Home Insurance in Morrice, Michigan
The median home value in Morrice is $121,900, 29% lower than the Shiawassee County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Morrice was built around 1983. About 34% of homes were built before 1960, about 6 points below Shiawassee County's 40%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Morrice is 74% single-family homes and 20% mobile or manufactured homes.
66% of owner-occupied homes in Morrice carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Morrice has an owner-occupancy rate of 92% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Morrice - 82% - 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 | $121,900 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 92% |
| 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)