Home Insurance in Saline, Michigan
The median home value in Saline is $341,300, 9% lower than the Washtenaw County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Saline was built around 1980. About 18% of homes were built before 1960, about 7 points below Washtenaw County's 25%.
In Saline, the housing stock is 71% single-family homes, 21% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 69% of owner-occupied homes in Saline have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Saline has an owner-occupancy rate of 69% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Saline, 84% of homes are primarily heated with natural gas.
FEMA rates Washtenaw County's overall risk as Relatively Moderate, led by strong wind (Relatively High). Washtenaw County had 611 active NFIP flood policies as of September 2026. See the full Washtenaw 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 | $341,300 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Washtenaw County | 611 |
| 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)