Home Insurance in Fairgrove, Michigan
Homes in Fairgrove carry a median value of $78,600 - 47% lower than the Tuscola County median.
The typical home in Fairgrove was built around 1959. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 51% of homes were built before 1960, about 13 points above Tuscola County's 39%.
The housing stock in Fairgrove is 94% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
63% of owner-occupied homes in Fairgrove carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Fairgrove has an owner-occupancy rate of 92% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Fairgrove, 92% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Fairgrove? 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 | $78,600 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)