Home Insurance in Dearborn Heights, Michigan
Homes in Dearborn Heights carry a median value of $185,100 - close to the Wayne County median.
The typical home in Dearborn Heights was built around 1958. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 61% of homes were built before 1960, about 2 points above Wayne County's 59%.
The housing stock in Dearborn Heights is 89% single-family homes, 8% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Dearborn Heights, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Dearborn Heights has an owner-occupancy rate of 70% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Dearborn Heights, 79% of homes 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.
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 | $185,100 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)