Home Insurance in Wayne County, Michigan
The median home value in Wayne County is $178,500, 23% lower than the Michigan median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Wayne County was built around 1956. About 59% of homes were built before 1960, about 23 points above Michigan's 36%.
The housing stock in Wayne County is 76% single-family homes, 16% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
51% of owner-occupied homes in Wayne County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Wayne County are owner-occupied.
84% of homes in Wayne County are primarily heated with natural gas.
FEMA's National Risk Index lists strong wind (Very High), tornado (Very High) and inland flooding (Very High) as the leading hazards for Wayne County.
Wayne County had 3,683 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $178,500 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Very High), Tornado (Very High), Inland Flooding (Very High) |
| Active NFIP flood policies (county) | 3,683 |
| Home insurance premium | $1,110 - statewide average (NAIC, 2023 data) |
Towns and cities
- Allen Park
- Belleville
- Dearborn
- Dearborn Heights
- Ecorse
- Flat Rock
- Garden City
- Gibraltar
- Grosse Pointe
- Grosse Pointe Farms
- Grosse Pointe Park
- Grosse Pointe Woods
- Hamtramck
- Harper Woods
- Highland Park
- Inkster
- Lincoln Park
- Melvindale
- Northville
- Plymouth
- River Rouge
- Riverview
- Rockwood
- Romulus
- Southgate
- Taylor
- Wayne
- Westland
Smaller communities
-
Detroit
- Median home value: $83,900
- Median year built: 1947
- Owner-occupied share: 50%
-
Livonia
- Median home value: $281,100
- Median year built: 1964
- Owner-occupied share: 87%
-
Trenton
- Median home value: $210,600
- Median year built: 1960
- Owner-occupied share: 83%
-
Woodhaven
- Median home value: $231,800
- Median year built: 1979
- Owner-occupied share: 74%
-
Wyandotte
- Median home value: $166,900
- Median year built: 1951
- Owner-occupied share: 74%
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)