Home Insurance in Millington, Michigan
The median home value in Millington is $118,000, 21% lower than the Tuscola County median.
The typical home in Millington was built around 1949. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 63% of homes were built before 1960, about 25 points above Tuscola County's 39%.
Housing in Millington breaks down to 87% single-family homes and 9% apartments in buildings with 5+ units.
In Millington, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Millington has an owner-occupancy rate of 71% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Millington, 86% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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 | $118,000 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)