Home Insurance in Burr Oak, Michigan
Homes in Burr Oak carry a median value of $106,400 - 40% lower than the St. Joseph County median.
The typical home in Burr Oak was built around 1945. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 67% of homes were built before 1960, about 26 points above St. Joseph County's 42%.
In Burr Oak, the housing stock is 88% single-family homes, 8% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Burr Oak, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Burr Oak are owner-occupied.
95% of homes in Burr Oak are primarily heated with natural gas.
St. Joseph County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. St. Joseph County had 127 active NFIP flood policies as of September 2026. See the full St. Joseph 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 | $106,400 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in St. Joseph County | 127 |
| 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)