Home Insurance in Westland, Michigan
Homes in Westland carry a median value of $184,600 - close to the Wayne County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Westland was built around 1969. About 33% of homes were built before 1960, about 27 points below Wayne County's 59%.
The housing stock in Westland is 65% single-family homes, 27% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Westland, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 61% of occupied homes in Westland are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Westland - 82% - are primarily heated with natural gas.
What's the biggest home insurance risk near Westland? FEMA's National Risk Index points to strong wind (Very High) in Wayne County and 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.
The statewide average premium for a standard HO-3 homeowners policy in Michigan is $1,110 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $184,600 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)