Home Insurance in Three Rivers, Michigan
The median home value in Three Rivers is $134,900, 24% lower than the St. Joseph County median.
The typical home in Three Rivers was built around 1954. About 54% of homes were built before 1960, about 13 points above St. Joseph County's 42%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Three Rivers is 64% single-family homes, 27% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Three Rivers, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Three Rivers has an owner-occupancy rate of 53% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
85% of homes in Three Rivers 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.
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 | $134,900 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)