Home Insurance in Wexford County, Michigan
The median home value in Wexford County is $170,400, 26% lower than the Michigan median.
The typical home in Wexford County was built around 1979. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 28% of homes were built before 1960, about 8 points below Michigan's 36%.
The housing stock in Wexford County is 78% single-family homes, 4% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 56% of owner-occupied homes in Wexford County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Wexford County are owner-occupied.
49% of homes in Wexford County are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists winter weather (Relatively High), strong wind (Relatively Moderate) and hail (Relatively Low) as the leading hazards for Wexford County.
Wexford County had 42 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $170,400 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Strong Wind (Relatively Moderate), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 42 |
| Home insurance premium | $1,110 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)