Home Insurance in Centreville, Michigan
With a median home value of $166,100, Centreville is 7% lower than the St. Joseph County median.
The typical home in Centreville was built around 1971. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 44% of homes were built before 1960, about 2 points above St. Joseph County's 42%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Centreville is 68% single-family homes, 11% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
About 59% of owner-occupied homes in Centreville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 76% of occupied homes in Centreville are owner-occupied.
83% of homes in Centreville are primarily heated with natural gas.
What's the biggest home insurance risk near Centreville? FEMA's National Risk Index points to hail (Relatively Moderate) in St. Joseph County and 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.
In Michigan, the statewide average premium for a standard HO-3 homeowners policy is $1,110 per year (NAIC, 2023 data).
Key figures
| Median home value | $166,100 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)