Home Insurance in Belleville, Michigan
With a median home value of $148,300, Belleville is 17% lower than the Wayne County median.
The typical home in Belleville was built around 1975. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 35% of homes were built before 1960, about 24 points below Wayne County's 59%.
In Belleville, the housing stock is 40% single-family homes, 30% apartments in buildings with 5+ units and 19% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 60% of owner-occupied homes in Belleville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 56% of occupied homes in Belleville are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Belleville - 85% - are primarily heated with natural gas.
FEMA rates Wayne County's overall risk as Relatively High, led by strong wind (Very High). Wayne County had 3,683 active NFIP flood policies as of September 2026. See the full Wayne 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 | $148,300 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)