Home Insurance in Ecorse, Michigan
With a median home value of $65,400, Ecorse is 63% lower than the Wayne County median.
The typical home in Ecorse was built around 1954. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 64% of homes were built before 1960, about 4 points above Wayne County's 59%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Ecorse is 73% single-family homes, 9% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Ecorse, about 23% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ecorse has an owner-occupancy rate of 62% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Ecorse, 82% 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 | $65,400 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 23% |
| 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)