Home Insurance in Sturgis, Michigan
Homes in Sturgis carry a median value of $152,600 - 14% lower than the St. Joseph County median.
The typical home in Sturgis was built around 1958. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 53% of homes were built before 1960, about 11 points above St. Joseph County's 42%.
Housing in Sturgis breaks down to 67% single-family homes, 22% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Sturgis, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 62% of occupied homes in Sturgis are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
77% of homes in Sturgis are primarily heated with natural gas.
FEMA rates St. Joseph County's overall risk as Relatively Low, led by hail (Relatively Moderate). 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 | $152,600 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)