Home Insurance in Mesick, Michigan
Homes in Mesick carry a median value of $123,800 - 27% lower than the Wexford County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Mesick was built around 1968. About 39% of homes were built before 1960, about 11 points above Wexford County's 28%.
In Mesick, the housing stock is 58% single-family homes and 39% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 53% of owner-occupied homes in Mesick have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Mesick has an owner-occupancy rate of 62% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Mesick - 73% - are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Wexford County's overall risk as Very Low, led by winter weather (Relatively High). 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 | $123,800 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)