Home Insurance in Emmett, Michigan
Homes in Emmett carry a median value of $145,800 - 35% lower than the St. Clair County median.
The median home in Emmett was built in 1939 or earlier. About 65% of homes were built before 1960, about 29 points above St. Clair County's 35%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Emmett is 100% single-family homes.
About 63% of owner-occupied homes in Emmett have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Emmett has an owner-occupancy rate of 95% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Emmett - 93% - 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 | $145,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)