Home Insurance in Cass City, Michigan
With a median home value of $113,100, Cass City is 24% lower than the Tuscola County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Cass City was built around 1970. About 46% of homes were built before 1960, about 8 points above Tuscola County's 39%.
The housing stock in Cass City is 72% single-family homes, 7% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
44% of owner-occupied homes in Cass City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Cass City has an owner-occupancy rate of 83% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in Cass City - 86% - are primarily heated with natural gas.
What's the biggest home insurance risk near Cass City? FEMA's National Risk Index points to strong wind (Relatively High) in Tuscola County and Tuscola County had 103 active NFIP flood policies as of September 2026. 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 | $113,100 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)