Home Insurance in Garden City, Michigan
With a median home value of $168,800, Garden City is 5% lower than the Wayne County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Garden City was built around 1956. About 69% of homes were built before 1960, about 10 points above Wayne County's 59%.
In Garden City, the housing stock is 89% single-family homes, 9% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Garden City, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Garden City has an owner-occupancy rate of 79% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Garden City - 90% - 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 | $168,800 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 79% |
| 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)