Home Insurance in Allen Park, Michigan
The median home value in Allen Park is $183,700, close to the Wayne County median.
The typical home in Allen Park was built around 1955. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 77% of homes were built before 1960, about 18 points above Wayne County's 59%.
Housing in Allen Park breaks down to 94% single-family homes and 4% apartments in buildings with 5+ units.
About 58% of owner-occupied homes in Allen Park have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 87% of occupied homes in Allen Park are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
89% of homes in Allen Park are primarily heated with natural gas.
Wayne County had 3,683 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Very High). See the full Wayne County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Michigan is $1,110 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $183,700 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Wayne County | 3,683 |
| 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)