Home Insurance in Washtenaw County, Michigan
With a median home value of $374,100, Washtenaw County is 62% higher than the Michigan median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Washtenaw County was built around 1978. About 25% of homes were built before 1960, about 11 points below Michigan's 36%.
The housing stock in Washtenaw County is 64% single-family homes, 26% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Washtenaw County, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Washtenaw County has an owner-occupancy rate of 62% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Washtenaw County - 75% - are primarily heated with natural gas.
FEMA's National Risk Index lists strong wind (Relatively High), tornado (Relatively High) and inland flooding (Relatively Moderate) as the leading hazards for Washtenaw County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Washtenaw County has 611 active NFIP flood policies on file.
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 | $374,100 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Tornado (Relatively High), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 611 |
| Home insurance premium | $1,110 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)