Home Insurance in Akron, Michigan
Homes in Akron carry a median value of $82,900 - 45% lower than the Tuscola County median.
The typical home in Akron was built around 1951. About 66% of homes were built before 1960, about 28 points above Tuscola County's 39%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Akron breaks down to 92% single-family homes and 3% mobile or manufactured homes.
51% of owner-occupied homes in Akron carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 78% of occupied homes in Akron are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Akron - 87% - are primarily heated with natural gas.
Tuscola County had 103 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Tuscola 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 | $82,900 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Tuscola County | 103 |
| 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)