Home Insurance in Lawrence, Michigan
The median home value in Lawrence is $133,900, 35% lower than the Van Buren County median.
The typical home in Lawrence was built around 1976. About 37% of homes were built before 1960, about 4 points above Van Buren County's 33%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lawrence is 56% single-family homes, 33% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
About 57% of owner-occupied homes in Lawrence have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 51% of occupied homes in Lawrence are owner-occupied.
74% of homes in Lawrence are primarily heated with natural gas.
Van Buren County had 97 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Van Buren County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Michigan, the statewide average premium for a standard HO-3 homeowners policy is $1,110 per year (NAIC, 2023 data).
Key figures
| Median home value | $133,900 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)