Home Insurance in Capac, Michigan
With a median home value of $161,700, Capac is 28% lower than the St. Clair County median.
The typical home in Capac was built around 1966. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 45% of homes were built before 1960, about 10 points above St. Clair County's 35%.
The housing stock in Capac is 74% single-family homes, 9% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 62% of owner-occupied homes in Capac have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 76% of occupied homes in Capac are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
87% of homes in Capac are primarily heated with natural gas.
FEMA rates St. Clair County's overall risk as Relatively Moderate, led by tornado (Relatively Moderate). St. Clair County had 1,291 active NFIP flood policies as of September 2026. See the full St. Clair 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 | $161,700 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in St. Clair County | 1,291 |
| 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)