Home Insurance in Bloomingdale, Michigan
With a median home value of $117,500, Bloomingdale is 43% lower than the Van Buren County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Bloomingdale was built in 1939 or earlier. About 76% of homes were built before 1960, about 43 points above Van Buren County's 33%.
The housing stock in Bloomingdale is 80% single-family homes, 9% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 74% of owner-occupied homes in Bloomingdale have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 69% of occupied homes in Bloomingdale 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 Bloomingdale - 79% - 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.
What's the biggest home insurance risk near Bloomingdale? FEMA's National Risk Index points to hail (Relatively High) in Van Buren County and Van Buren County had 97 active NFIP flood policies as of September 2026. See the full Van Buren County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Michigan carries a statewide average premium of $1,110 per year.
Key figures
| Median home value | $117,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Van Buren County | 97 |
| 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)