Home Insurance in Vernon, Michigan
With a median home value of $133,400, Vernon is 22% lower than the Shiawassee County median.
The typical home in Vernon was built around 1958. About 55% of homes were built before 1960, about 14 points above Shiawassee County's 40%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Vernon, the housing stock is 92% single-family homes and 1% apartments in buildings with 5+ units.
62% of owner-occupied homes in Vernon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 95% of occupied homes in Vernon are owner-occupied.
In Vernon, 92% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Vernon? 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 | $133,400 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)