Home Insurance in Manton, Michigan
Homes in Manton carry a median value of $125,000 - 27% lower than the Wexford County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Manton was built around 1962. About 47% of homes were built before 1960, about 19 points above Wexford County's 28%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Manton is 73% single-family homes, 12% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
About 60% of owner-occupied homes in Manton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Manton has an owner-occupancy rate of 63% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Manton, 69% of homes are primarily heated with natural gas.
Wexford County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Wexford County had 42 active NFIP flood policies as of September 2026. See the full Wexford 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 | $125,000 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Wexford County | 42 |
| 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)