Home Insurance in Perry, Michigan
The median home value in Perry is $164,000, close to the Shiawassee County median.
The typical home in Perry was built around 1973. About 40% of homes were built before 1960, in line with Shiawassee County (40%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Perry, the housing stock is 72% single-family homes, 22% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Perry, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in Perry are owner-occupied.
In Perry, 78% of homes 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.
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 | $164,000 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)