Home Insurance in Gagetown, Michigan
With a median home value of $77,100, Gagetown is 48% lower than the Tuscola County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Gagetown was built around 1951. About 58% of homes were built before 1960, about 19 points above Tuscola County's 39%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Gagetown is 81% single-family homes, 11% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
51% of owner-occupied homes in Gagetown carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Gagetown has an owner-occupancy rate of 77% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Gagetown, 88% of homes are primarily heated with natural gas.
Tuscola County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. 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 | $77,100 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 77% |
| 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)