Home Insurance in Grosse Pointe, Michigan
Homes in Grosse Pointe carry a median value of $436,800 - 145% higher than the Wayne County median.
The median home in Grosse Pointe was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 83% of homes were built before 1960, about 24 points above Wayne County's 59%.
Housing in Grosse Pointe breaks down to 83% single-family homes and 3% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Grosse Pointe, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Grosse Pointe has an owner-occupancy rate of 86% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
92% of homes in Grosse Pointe are primarily heated with natural gas.
Wayne County's top FEMA-rated hazard is strong wind (Very High), per FEMA's National Risk Index. 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 | $436,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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
- Grosse Pointe Farms
- Grosse Pointe Park
- Grosse Pointe Woods
- Harper Woods
- Village of Grosse Pointe Shores
- Eastpointe
- St. Clair Shores
- Hamtramck
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)