Home Insurance in Constantine, Michigan
Homes in Constantine carry a median value of $115,200 - 35% lower than the St. Joseph County median.
The typical home in Constantine was built around 1953. About 56% of homes were built before 1960, about 14 points above St. Joseph County's 42%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Constantine, the housing stock is 60% single-family homes, 16% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 55% of owner-occupied homes in Constantine have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Constantine has an owner-occupancy rate of 67% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
81% of homes in Constantine are primarily heated with natural gas.
St. Joseph County had 127 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full St. Joseph 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 | $115,200 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)