Michigan

Home insurance overview — 913 ZIP codes, 606 cities

Avg Premium (2025 Est.)

$1,359

+10.3% from 2022

Nonrenewal Rate

1.11%

5yr Storm Damage

$1.1B

Michigan Risk Map

Cities

City	ZIP Codes	Avg Premium	Stress Score	YoY	Risk
Grosse Pointe Park	1	$3,085	75	+9.7%	High
Detroit	28	$2,518	73	+9.6%	High
Bloomfield Hills	1	$3,735	70	+10.3%	High
Grosse Pointe Woods	1	$2,517	69	+11.5%	High
Beverly Hills	2	$2,844	66	+10.1%	High
Northville	1	$2,222	66	+11.9%	High
Southfield	4	$2,074	64	+8.0%	High
Harper Woods	1	$1,645	64	+9.7%	High
Birmingham	1	$2,862	64	+12.6%	High
Leonard	2	$1,892	63	+9.7%	High
Keego Harbor	1	$1,698	62	+9.5%	High
Huntington Woods	1	$2,160	62	+9.0%	High
Inkster	1	$1,475	61	+9.3%	High
Flint	7	$1,639	60	+10.3%	Elevated
Dearborn	4	$1,495	60	+9.4%	Elevated
Skanee	1	$1,136	60	+12.6%	Elevated
Farmington Hills	5	$1,914	60	+9.4%	Elevated
Pleasant Ridge	1	$1,952	60	+13.7%	Elevated
Orchard Lake Village	3	$2,192	60	+9.0%	Elevated
River Rouge	1	$1,577	59	+9.8%	Elevated
Pontiac	4	$2,096	58	+8.8%	Elevated
Oak Park	1	$1,663	58	+7.9%	Elevated
Trenton	2	$1,684	58	+10.3%	Elevated
Ecorse	1	$1,454	58	+9.1%	Elevated
Novi	4	$1,790	57	+9.7%	Elevated
Saginaw	5	$1,611	56	+13.3%	Elevated
Romeo	2	$1,829	56	+11.0%	Elevated
Center Line	1	$1,359	56	+12.5%	Elevated
Fairgrove	1	$1,197	55	+8.0%	Elevated
Rochester Hills	4	$1,957	55	+10.0%	Elevated
Galien	1	$1,592	55	+15.6%	Elevated
Wayne	2	$1,403	54	+10.5%	Elevated
Dearborn Heights	2	$1,262	54	+9.1%	Elevated
Yale	1	$1,430	54	+9.5%	Elevated
Armada	3	$1,638	54	+9.9%	Elevated
Plymouth	2	$1,488	54	+10.7%	Elevated
Memphis	1	$1,432	54	+9.0%	Elevated
Walled Lake	2	$1,618	54	+9.9%	Elevated
Emmett	1	$1,542	54	+8.0%	Elevated
Melvindale	1	$1,179	54	+10.2%	Elevated
Fostoria	1	$1,463	53	+10.0%	Elevated
Riverview	1	$1,338	53	+10.5%	Elevated
Troy	4	$1,611	53	+11.0%	Elevated
Village of Clarkston	4	$1,628	53	+8.9%	Elevated
Three Oaks	1	$1,563	53	+14.1%	Elevated
Milford	4	$1,597	53	+9.5%	Elevated
Utica	4	$1,643	53	+10.2%	Elevated
East Lansing	1	$1,435	53	+11.7%	Elevated
Otisville	1	$1,528	52	+10.4%	Elevated
Marenisco	1	$1,398	52	+16.0%	Elevated
Auburn Hills	3	$1,521	52	+9.4%	Elevated
Belleville	1	$1,498	52	+8.7%	Elevated
Romulus	1	$1,432	52	+8.3%	Elevated
Lincoln Park	1	$1,227	52	+9.7%	Elevated
Richmond	5	$1,573	52	+10.4%	Elevated
Gibraltar	1	$1,396	52	+9.6%	Elevated
Flushing	1	$1,540	52	+10.6%	Elevated
Capac	1	$1,425	51	+8.4%	Elevated
Vanderbilt	1	$1,181	51	+9.2%	Elevated
New Haven	2	$1,464	51	+10.3%	Elevated
Otter Lake	1	$1,479	51	+12.2%	Elevated
Flat Rock	1	$1,347	51	+10.0%	Elevated
Muir	1	$1,328	51	+7.9%	Elevated
Douglas	2	$1,895	51	+14.2%	Elevated
Turner	1	$1,230	51	+9.6%	Elevated
Goodrich	1	$1,709	51	+10.6%	Elevated
Westland	2	$1,239	51	+10.7%	Elevated
Eastpointe	1	$1,472	51	+10.7%	Elevated
Livonia	3	$1,285	51	+10.5%	Elevated
Ann Arbor	4	$1,642	51	+11.7%	Elevated
Southgate	1	$1,197	51	+10.1%	Elevated
Ruby	3	$1,483	51	+9.4%	Elevated
Allen Park	1	$1,240	51	+11.8%	Elevated
Gaines	1	$1,492	50	+9.7%	Elevated
Bridgeport	1	$1,389	50	+10.1%	Elevated
Byron	1	$1,442	50	+8.5%	Elevated
Marine City	2	$1,454	50	+9.6%	Elevated
Walloon Lake	1	$1,948	50	+8.7%	Elevated
Mount Clemens	5	$1,450	50	+9.8%	Elevated
Fair Plain	2	$1,372	50	+12.3%	Elevated
Snover	2	$1,379	50	+10.5%	Elevated
Lake Linden	1	$1,027	50	+12.9%	Elevated
Rosebush	1	$1,423	50	+10.2%	Elevated
North Adams	1	$1,260	49	+7.9%	Elevated
Shorewood-Tower Hills-Harbert	3	$2,099	49	+12.6%	Elevated
Leland	1	$2,274	49	+12.0%	Elevated
Wyandotte	1	$1,190	49	+9.5%	Elevated
Lennon	1	$1,420	49	+8.9%	Elevated
Linden	1	$1,450	49	+9.6%	Elevated
Harbor Beach	1	$1,163	49	+11.8%	Elevated
Whitmore Lake	2	$1,322	49	+10.6%	Elevated
Swartz Creek	1	$1,459	49	+11.1%	Elevated
Lake Michigan Beach	2	$1,559	49	+9.5%	Elevated
Clio	1	$1,463	49	+11.1%	Elevated
Unionville	1	$1,275	49	+12.1%	Elevated
Metamora	1	$1,810	49	+9.6%	Elevated
Davison	1	$1,418	49	+9.7%	Elevated
Grand Blanc	1	$1,590	49	+8.6%	Elevated
Cassopolis	1	$1,667	49	+11.4%	Elevated
Eau Claire	2	$1,466	49	+10.7%	Elevated
Beecher	1	$1,531	49	+11.1%	Elevated
Hartland	2	$1,526	48	+8.8%	Elevated
Ironwood	1	$1,063	48	+12.1%	Elevated
Atlantic Mine	1	$1,074	48	+12.4%	Elevated
Carney	1	$1,042	48	+11.8%	Elevated
Hazel Park	1	$1,302	48	+9.5%	Elevated
Lakeport	1	$1,343	48	+10.8%	Elevated
Clayton	1	$1,447	48	+9.2%	Elevated
Zeba	1	$1,039	48	+11.9%	Elevated
Garden City	1	$1,195	48	+9.9%	Elevated
Taylor	1	$1,194	48	+10.0%	Elevated
Augusta	1	$1,541	48	+11.9%	Elevated
Okemos	1	$1,549	48	+11.2%	Elevated
Fraser	1	$1,351	48	+11.9%	Elevated
Eastlake	1	$1,025	48	+10.5%	Elevated
Big Bay	1	$1,228	48	+8.0%	Elevated
Ferndale	1	$1,365	48	+9.4%	Elevated
Ida	1	$1,436	48	+10.7%	Elevated
Akron	1	$1,338	48	+12.1%	Elevated
Royal Oak	2	$1,307	47	+11.4%	Elevated
Carleton	2	$1,446	47	+8.6%	Elevated
Pelkie	1	$1,082	47	+10.6%	Elevated
Coleman	1	$1,232	47	+11.5%	Elevated
Vermontville	1	$1,316	47	+9.7%	Elevated
Burton	3	$1,338	47	+10.6%	Elevated
Henderson	1	$1,365	47	+9.0%	Elevated
Jasper	2	$1,450	47	+13.2%	Elevated
St. Clair	1	$1,467	47	+8.5%	Elevated
Pearl Beach	2	$1,522	47	+13.9%	Elevated
Warren	5	$1,275	47	+10.4%	Elevated
Applegate	1	$1,349	47	+10.4%	Elevated
South Lyon	1	$1,521	47	+8.9%	Elevated
Sterling Heights	4	$1,320	47	+9.3%	Elevated
Burt	2	$1,385	47	+9.5%	Elevated
New Baltimore	2	$1,411	47	+10.0%	Elevated
Lake Angelus	2	$1,409	47	+8.6%	Elevated
Saline	1	$1,587	47	+11.4%	Elevated
Lake Orion	1	$1,571	47	+8.9%	Elevated
Haslett	1	$1,315	47	+10.5%	Elevated
Kingston	2	$1,392	47	+11.7%	Elevated
Burlington	2	$1,467	47	+10.0%	Elevated
New Lothrop	1	$1,323	46	+9.7%	Elevated
Homer	1	$1,319	46	+9.1%	Elevated
Arcadia	1	$1,304	46	+13.3%	Elevated
Republic	2	$1,017	46	+11.8%	Elevated
Millington	1	$1,436	46	+11.0%	Elevated
Hickory Corners	1	$1,921	46	+10.3%	Elevated
New Buffalo	2	$1,964	46	+10.3%	Elevated
Oakley	2	$1,438	46	+10.0%	Elevated
Bellevue	1	$1,423	46	+10.6%	Elevated
Midland	4	$1,274	46	+10.7%	Elevated
Springport	1	$1,362	46	+9.9%	Elevated
Mayville	1	$1,376	46	+9.6%	Elevated
Lansing	6	$1,216	46	+10.7%	Elevated
Baraga	1	$1,045	46	+11.7%	Elevated
Berkley	1	$1,336	46	+12.0%	Elevated
Hancock	1	$1,066	45	+12.3%	Elevated
St. Clair Shores	5	$1,284	45	+10.7%	Elevated
Ortonville	1	$1,454	45	+9.0%	Elevated
Blissfield	3	$1,453	45	+12.1%	Elevated
Williamston	1	$1,467	45	+11.5%	Elevated
Saugatuck	1	$1,597	45	+13.4%	Elevated
Holly	1	$1,430	45	+7.9%	Elevated
Belding	1	$1,210	45	+10.4%	Elevated
Wixom	2	$1,424	45	+8.0%	Elevated
Pinckney	3	$1,305	45	+9.2%	Elevated
Gagetown	1	$1,222	45	+9.5%	Elevated
Ubly	1	$1,285	45	+12.2%	Elevated
Beaverton	1	$1,159	45	+11.5%	Elevated
Ypsilanti	3	$1,299	45	+9.1%	Elevated
Zilwaukee	1	$1,214	45	+10.3%	Elevated
Harrietta	1	$1,181	45	+10.5%	Elevated
Vassar	1	$1,337	45	+11.0%	Elevated
Crystal	2	$1,202	45	+8.9%	Elevated
Negaunee	1	$1,102	45	+10.4%	Elevated
Vandalia	3	$1,550	45	+12.0%	Elevated
Leslie	3	$1,352	45	+9.3%	Elevated
Forest Hills	2	$1,762	45	+10.9%	Elevated
Britton	1	$1,582	44	+13.0%	Elevated
Frankenmuth	1	$1,501	44	+9.2%	Elevated
Port Huron	1	$1,201	44	+11.4%	Elevated
Albion	1	$1,391	44	+9.9%	Elevated
Shields	1	$1,325	44	+10.0%	Elevated
Kalamazoo	6	$1,272	44	+10.1%	Elevated
Alba	1	$1,090	44	+10.1%	Elevated
Marysville	2	$1,277	44	+10.0%	Elevated
Perry	1	$1,463	44	+12.3%	Elevated
Trufant	3	$1,224	44	+10.2%	Elevated
Freeland	2	$1,344	44	+10.9%	Elevated
Dansville	1	$1,322	44	+8.9%	Elevated
Nashville	1	$1,300	44	+11.2%	Elevated
Maple Rapids	1	$1,178	44	+15.7%	Elevated
Tustin	1	$1,321	44	+13.3%	Elevated
Omena	2	$1,798	44	+10.3%	Elevated
Michigamme	1	$1,063	44	+10.2%	Elevated
Comstock Northwest	1	$1,164	44	+9.6%	Elevated
Battle Creek	5	$1,315	44	+11.2%	Elevated
Skidway Lake	2	$1,092	44	+9.9%	Elevated
Dollar Bay	1	$963	44	+10.8%	Elevated
Addison	1	$1,407	44	+11.9%	Elevated
Eastport	1	$1,358	44	+7.9%	Elevated
Brighton	2	$1,484	44	+8.7%	Elevated
Muskegon	2	$1,159	44	+9.0%	Elevated
Chesaning	1	$1,329	44	+8.8%	Elevated
Bruce Crossing	2	$990	44	+12.5%	Elevated
Dryden	1	$1,638	44	+10.7%	Elevated
Kaleva	1	$1,111	43	+11.1%	Elevated
Rock	3	$1,037	43	+11.2%	Elevated
Camden	1	$1,370	43	+9.0%	Elevated
Morley	1	$1,243	43	+10.4%	Elevated
Carson City	1	$1,319	43	+12.3%	Elevated
Birch Run	1	$1,370	43	+9.8%	Elevated
Almont	1	$1,527	43	+11.6%	Elevated
Niles	1	$1,390	43	+12.6%	Elevated
Bath	1	$1,312	43	+11.3%	Elevated
Chelsea	1	$1,390	43	+7.9%	Elevated
Clawson	1	$1,090	43	+9.7%	Elevated
Melvin	1	$1,365	43	+8.9%	Elevated
Richland	1	$1,612	43	+9.8%	Elevated
Sunfield	1	$1,271	43	+10.3%	Elevated
Hartford	1	$1,392	43	+12.2%	Elevated
Iron Mountain	2	$1,126	43	+13.8%	Elevated
Fenton	1	$1,510	42	+8.4%	Elevated
Harbor Springs	1	$2,128	42	+11.7%	Elevated
Petersburg	1	$1,416	42	+10.6%	Elevated
Galesburg	1	$1,322	42	+9.3%	Elevated
Scottville	1	$1,269	42	+11.4%	Elevated
Roseville	1	$1,194	42	+10.9%	Elevated
Decatur	1	$1,417	42	+11.9%	Elevated
Woodland	1	$1,272	42	+11.7%	Elevated
Oxford	1	$1,520	42	+9.2%	Elevated
Luna Pier	3	$1,227	42	+9.9%	Elevated
Caro	1	$1,308	42	+10.9%	Elevated
Parma	1	$1,394	42	+9.6%	Elevated
Falmouth	2	$1,127	42	+12.0%	Elevated
Scotts	1	$1,366	42	+11.4%	Elevated
Gwinn	1	$1,017	42	+12.6%	Elevated
Paw Paw Lake	1	$1,422	42	+11.1%	Elevated
Dexter	1	$1,568	42	+10.0%	Elevated
Bangor	1	$1,292	42	+9.7%	Elevated
Vernon	1	$1,292	42	+11.0%	Elevated
Bridgman	1	$1,411	41	+10.9%	Elevated
Manchester	1	$1,486	41	+9.0%	Elevated
Custer	1	$1,204	41	+13.4%	Elevated
Morenci	1	$1,261	41	+11.0%	Elevated
Farwell	3	$1,060	41	+10.5%	Elevated
Brown City	1	$1,407	41	+11.7%	Elevated
Standish	1	$1,134	41	+8.8%	Elevated
Berrien Springs	1	$1,473	41	+11.0%	Elevated
Mendon	1	$1,308	41	+11.7%	Elevated
Brutus	3	$1,751	41	+14.1%	Elevated
Gladwin	1	$1,180	41	+10.9%	Elevated
Onekama	1	$1,342	41	+8.6%	Elevated
Casnovia	2	$1,214	41	+8.4%	Elevated
Ishpeming	1	$967	41	+10.9%	Elevated
Powers	4	$1,077	41	+12.2%	Elevated
Bancroft	1	$1,343	41	+11.4%	Elevated
Stockbridge	2	$1,373	41	+8.3%	Elevated
Millers Lake	1	$1,444	41	+8.6%	Elevated
Dowling	1	$1,328	41	+10.9%	Elevated
Mulliken	1	$1,243	41	+8.5%	Elevated
Copemish	1	$1,131	41	+7.9%	Elevated
Spring Arbor	1	$1,276	41	+8.4%	Elevated
Gaylord	2	$1,186	41	+11.5%	Elevated
Imlay City	1	$1,480	41	+8.8%	Elevated
Jonesville	1	$1,342	41	+10.5%	Elevated
Elsie	2	$1,273	41	+9.6%	Elevated
Ravenna	1	$1,160	41	+8.8%	Elevated
Pittsford	2	$1,318	41	+8.9%	Elevated
Port Sanilac	1	$1,153	41	+9.4%	Elevated
Hemlock	1	$1,475	41	+10.2%	Elevated
Montgomery	1	$1,329	41	+10.9%	Elevated
Attica	1	$1,457	41	+7.9%	Elevated
Owendale	1	$1,231	41	+9.8%	Elevated
Watersmeet	1	$1,462	41	+10.8%	Elevated
St. Charles	1	$1,339	41	+8.1%	Elevated
Garden	2	$1,129	41	+12.0%	Elevated
Edwardsburg	1	$1,613	41	+11.8%	Elevated
Mecosta	3	$1,136	41	+10.9%	Elevated
Monroe	2	$1,273	40	+9.8%	Moderate
Athens	3	$1,347	40	+9.6%	Moderate
Milan	1	$1,412	40	+10.3%	Moderate
Madison Heights	1	$1,012	40	+8.2%	Moderate
Croswell	1	$1,296	40	+9.5%	Moderate
Lupton	2	$1,031	40	+10.8%	Moderate
Peck	1	$1,181	40	+9.5%	Moderate
Owosso	1	$1,232	40	+10.4%	Moderate
Holt	1	$1,200	40	+10.4%	Moderate
Webberville	1	$1,358	40	+8.3%	Moderate
Adrian	1	$1,301	40	+11.4%	Moderate
Kentwood	2	$1,122	40	+8.2%	Moderate
Maple City	1	$1,528	40	+9.8%	Moderate
Glen Arbor	1	$1,959	40	+7.9%	Moderate
Marquette	1	$1,120	40	+9.4%	Moderate
Lambertville	2	$1,365	40	+9.6%	Moderate
Carsonville	1	$1,324	40	+11.0%	Moderate
Portage	2	$1,189	40	+10.7%	Moderate
Central Lake	1	$1,242	40	+11.0%	Moderate
Quinnesec	1	$978	40	+11.4%	Moderate
Dundee	1	$1,336	40	+10.8%	Moderate
Onsted	2	$1,484	40	+10.6%	Moderate
Dowagiac	1	$1,412	40	+10.9%	Moderate
Marshall	1	$1,454	40	+9.9%	Moderate
Grand Rapids	5	$1,182	40	+9.7%	Moderate
Harrison	1	$1,048	39	+11.4%	Moderate
Le Roy	1	$1,173	39	+11.1%	Moderate
Howell	2	$1,407	39	+9.1%	Moderate
Freeport	1	$1,335	39	+11.0%	Moderate
Stevensville	1	$1,351	39	+10.8%	Moderate
Houghton Lake	3	$849	39	+12.1%	Moderate
Hubbell	1	$1,045	39	+9.7%	Moderate
Quincy	1	$1,288	39	+11.7%	Moderate
Constantine	1	$1,350	39	+12.2%	Moderate
Perrinton	2	$1,351	39	+9.9%	Moderate
Chassell	2	$1,041	39	+12.1%	Moderate
Lowell	1	$1,272	39	+9.8%	Moderate
Grant	2	$1,273	39	+9.9%	Moderate
Lexington	1	$1,088	39	+10.4%	Moderate
Baroda	1	$1,282	39	+9.5%	Moderate
Allen	1	$1,430	39	+9.0%	Moderate
Lakeview	2	$1,165	39	+10.6%	Moderate
Twining	1	$1,172	39	+9.2%	Moderate
Manitou Beach-Devils Lake	1	$1,417	39	+12.0%	Moderate
Sanford	1	$1,233	39	+11.0%	Moderate
Fowlerville	1	$1,390	39	+9.1%	Moderate
Lake Odessa	1	$1,246	39	+11.1%	Moderate
Grand Marais	1	$886	39	+10.5%	Moderate
Laingsburg	1	$1,441	39	+12.8%	Moderate
Hubbardston	1	$1,282	39	+8.0%	Moderate
Baldwin	4	$1,044	39	+12.1%	Moderate
Schoolcraft	1	$1,418	39	+11.0%	Moderate
Pinconning	2	$1,109	39	+8.0%	Moderate
Caseville	1	$1,021	39	+12.8%	Moderate
Jackson	2	$1,195	39	+11.1%	Moderate
Walkerville	1	$1,148	39	+13.8%	Moderate
Ionia	1	$1,266	39	+11.1%	Moderate
Kinde	2	$1,240	39	+9.5%	Moderate
Clarksville	2	$1,316	39	+9.9%	Moderate
Deckerville	2	$1,213	39	+9.4%	Moderate
Edmore	2	$1,243	38	+8.9%	Moderate
North Branch	1	$1,445	38	+8.0%	Moderate
Essexville	2	$1,170	38	+10.9%	Moderate
Lyons	1	$1,224	38	+8.1%	Moderate
Elm Hall	3	$1,253	38	+9.4%	Moderate
Napoleon	3	$1,292	38	+9.8%	Moderate
Eagle River	1	$1,079	38	+8.7%	Moderate
Mason	1	$1,320	38	+10.4%	Moderate
Colon	2	$1,308	38	+10.3%	Moderate
Marlette	1	$1,337	38	+8.7%	Moderate
South Haven	1	$1,479	38	+10.6%	Moderate
Corunna	1	$1,313	38	+13.3%	Moderate
Sebewaing	1	$1,031	38	+10.3%	Moderate
Indian River	3	$1,231	38	+10.2%	Moderate
Ellsworth	1	$1,161	38	+9.6%	Moderate
Reading	1	$1,201	38	+10.8%	Moderate
Sandusky	1	$1,181	38	+9.0%	Moderate
Shepherd	1	$1,217	38	+10.6%	Moderate
Deerfield	1	$1,302	38	+10.8%	Moderate
Buchanan	1	$1,327	38	+10.9%	Moderate
Pierson	1	$1,359	38	+10.3%	Moderate
Elkton	1	$1,273	38	+15.8%	Moderate
Caledonia	1	$1,311	38	+9.8%	Moderate
Lawrence	1	$1,485	38	+12.2%	Moderate
Wyoming	3	$965	38	+9.3%	Moderate
Lake Gogebic	1	$1,049	38	+13.6%	Moderate
Sterling	2	$1,232	38	+8.9%	Moderate
Auburn	1	$1,131	38	+9.7%	Moderate
Fowler	1	$1,137	38	+8.9%	Moderate
Clifford	2	$1,406	38	+12.1%	Moderate
Hanover	2	$1,448	38	+9.3%	Moderate
Marcellus	1	$1,482	37	+12.1%	Moderate
South Rockwood	1	$1,401	37	+10.6%	Moderate
Kent City	1	$1,295	37	+9.4%	Moderate
Clinton	1	$1,314	37	+8.9%	Moderate
St. Louis	1	$1,206	37	+11.4%	Moderate
Cass City	1	$1,268	37	+11.9%	Moderate
Norway	3	$1,021	37	+10.2%	Moderate
Portland	1	$1,177	37	+9.4%	Moderate
Fremont	1	$1,250	37	+11.8%	Moderate
Munising	2	$1,007	37	+10.0%	Moderate
Olivet	1	$1,422	37	+10.1%	Moderate
Sherwood	1	$1,344	37	+11.3%	Moderate
Menominee	2	$1,060	37	+9.8%	Moderate
Allegan	1	$1,274	37	+9.7%	Moderate
Maybee	2	$1,402	37	+9.2%	Moderate
Lost Lake Woods	1	$1,021	37	+9.2%	Moderate
Onaway	1	$1,095	37	+11.8%	Moderate
Ovid	1	$1,257	37	+12.5%	Moderate
Rapid River	1	$1,014	37	+10.5%	Moderate
Merrill	1	$1,272	37	+9.5%	Moderate
Mount Pleasant	1	$1,256	37	+10.2%	Moderate
Wacousta	2	$1,312	37	+8.8%	Moderate
Omer	1	$1,118	37	+8.0%	Moderate
Bay Port	1	$1,205	37	+10.5%	Moderate
Port Austin	1	$1,098	37	+13.2%	Moderate
Grandville	1	$1,112	37	+9.9%	Moderate
Oden	1	$1,284	37	+9.7%	Moderate
Stephenson	1	$1,043	36	+9.1%	Moderate
Crystal Falls	1	$991	36	+11.5%	Moderate
Otsego	1	$1,257	36	+10.5%	Moderate
Alden	1	$1,367	36	+11.6%	Moderate
St. Joseph	1	$1,348	36	+10.8%	Moderate
Lakes of the North	2	$1,190	36	+11.5%	Moderate
Gladstone	1	$1,007	36	+10.5%	Moderate
Bay City	3	$1,088	36	+9.2%	Moderate
Durand	1	$1,303	36	+12.0%	Moderate
Bessemer	1	$1,052	36	+10.3%	Moderate
Luther	2	$1,082	36	+11.9%	Moderate
Lapeer	1	$1,383	36	+10.9%	Moderate
Houghton	1	$1,059	36	+9.6%	Moderate
Forestville	1	$931	36	+8.0%	Moderate
Caspian	1	$927	36	+8.6%	Moderate
Lamont	1	$1,143	36	+10.0%	Moderate
Cedar Springs	1	$1,184	36	+9.2%	Moderate
Eaton Rapids	1	$1,355	36	+9.6%	Moderate
Whittemore	2	$1,113	36	+9.0%	Moderate
Free Soil	1	$1,148	36	+11.2%	Moderate
Waldron	1	$1,305	36	+10.4%	Moderate
Cement City	2	$1,441	36	+10.0%	Moderate
Hudson	1	$1,293	36	+10.2%	Moderate
Petoskey	1	$1,699	36	+11.2%	Moderate
Stony Point	1	$1,278	36	+8.0%	Moderate
Coldwater	1	$1,291	36	+10.8%	Moderate
Manistique	4	$1,010	35	+9.2%	Moderate
Vineyard Lake	1	$1,343	35	+10.3%	Moderate
Paris	1	$1,163	35	+9.1%	Moderate
Harrisville	2	$1,100	35	+10.9%	Moderate
Reese	1	$1,165	35	+10.2%	Moderate
Potterville	1	$1,109	35	+8.0%	Moderate
Bad Axe	1	$1,179	35	+10.5%	Moderate
Sault Ste. Marie	3	$1,131	35	+10.7%	Moderate
Port Hope	1	$1,001	35	+12.8%	Moderate
Charlevoix	1	$1,625	35	+8.7%	Moderate
Pellston	1	$1,207	35	+11.6%	Moderate
Canadian Lakes	1	$1,111	35	+9.7%	Moderate
Breedsville	2	$1,261	35	+9.5%	Moderate
Paw Paw	1	$1,379	35	+10.3%	Moderate
Au Sable	2	$1,021	35	+8.8%	Moderate
Escanaba	2	$982	35	+12.4%	Moderate
Sand Lake	4	$1,084	35	+10.6%	Moderate
Centreville	1	$1,393	35	+12.3%	Moderate
Three Rivers	1	$1,378	35	+11.2%	Moderate
Vicksburg	1	$1,313	35	+11.2%	Moderate
Presque Isle Harbor	1	$995	34	+10.4%	Moderate
Ontonagon	1	$960	34	+11.8%	Moderate
Litchfield	1	$1,261	34	+11.5%	Moderate
Barryton	3	$999	34	+10.6%	Moderate
Burr Oak	1	$1,228	34	+11.4%	Moderate
Posen	1	$981	34	+8.0%	Moderate
Grass Lake	1	$1,415	34	+8.5%	Moderate
Bronson	1	$1,320	34	+11.7%	Moderate
Newberry	3	$971	34	+11.0%	Moderate
Union City	1	$1,296	34	+10.1%	Moderate
Bellaire	1	$1,354	34	+11.5%	Moderate
Kingsford	1	$918	34	+10.4%	Moderate
Temperance	1	$1,236	34	+10.3%	Moderate
Wolverine	1	$1,138	34	+10.2%	Moderate
Plainwell	1	$1,302	34	+11.1%	Moderate
Lawton	1	$1,331	34	+9.4%	Moderate
Reed City	1	$1,167	34	+12.1%	Moderate
Au Gres	1	$993	34	+11.1%	Moderate
Hart	1	$1,098	34	+8.4%	Moderate
Morrice	1	$1,329	34	+9.8%	Moderate
Twin Lake	2	$1,172	34	+8.7%	Moderate
Pewamo	1	$1,163	34	+8.0%	Moderate
White Pigeon	1	$1,460	34	+10.9%	Moderate
Hillsdale	1	$1,233	33	+9.9%	Moderate
Fruitport	1	$1,086	33	+10.2%	Moderate
Byron Center	1	$1,217	33	+9.7%	Moderate
Michigan Center	1	$1,212	33	+12.8%	Moderate
Evart	1	$1,136	33	+13.9%	Moderate
Ossineke	1	$1,151	33	+9.0%	Moderate
Norton Shores	2	$1,112	33	+10.1%	Moderate
Empire	1	$1,381	33	+11.5%	Moderate
Northview	2	$1,166	33	+9.4%	Moderate
Chatham	3	$1,039	33	+9.0%	Moderate
Minden City	1	$1,121	33	+7.9%	Moderate
Martin	2	$1,169	33	+9.6%	Moderate
Mio	3	$1,060	33	+11.6%	Moderate
Delton	1	$1,310	33	+10.6%	Moderate
Three Lakes	1	$975	33	+9.8%	Moderate
Prudenville	1	$958	33	+13.4%	Moderate
Shelby	1	$1,251	33	+10.3%	Moderate
Gobles	1	$1,314	33	+10.1%	Moderate
Brethren	1	$1,025	33	+8.0%	Moderate
Sparta	1	$1,120	33	+10.3%	Moderate
St. Johns	1	$1,241	33	+11.0%	Moderate
Comstock Park	1	$1,039	33	+10.2%	Moderate
Lake LeAnn	1	$1,352	33	+8.9%	Moderate
Ferrysburg	1	$1,400	33	+9.9%	Moderate
East Jordan	1	$1,500	33	+12.5%	Moderate
West Branch	1	$1,148	33	+8.4%	Moderate
Boon	1	$1,176	33	+11.0%	Moderate
Fennville	1	$1,392	32	+10.6%	Moderate
Charlotte	1	$1,267	32	+9.2%	Moderate
Sturgis	1	$1,348	32	+12.0%	Moderate
Bear Lake	2	$1,132	32	+10.3%	Moderate
Hersey	1	$1,130	32	+10.5%	Moderate
Lake Leelanau	1	$1,563	32	+10.5%	Moderate
DeWitt	1	$1,308	32	+10.0%	Moderate
Atlanta	1	$951	32	+10.9%	Moderate
East Tawas	1	$991	32	+9.7%	Moderate
Pigeon	1	$1,134	32	+10.7%	Moderate
Elk Rapids	3	$1,350	32	+9.2%	Moderate
Montague	1	$1,252	32	+10.4%	Moderate
McBain	1	$1,170	32	+10.2%	Moderate
Rose City	1	$1,026	31	+8.4%	Moderate
Naubinway	6	$990	31	+8.9%	Moderate
Mattawan	1	$1,393	31	+9.5%	Moderate
Breckenridge	2	$1,274	31	+10.7%	Moderate
Bloomingdale	1	$1,278	31	+9.5%	Moderate
Mackinac Island	2	$2,421	31	+13.9%	Moderate
Palo	2	$1,238	31	+8.0%	Moderate
Elberta	1	$1,009	31	+13.0%	Moderate
Coopersville	1	$1,109	31	+8.9%	Moderate
Manistee	1	$1,121	31	+10.4%	Moderate
Horton Bay	1	$1,440	31	+10.3%	Moderate
Whitehall	1	$1,299	31	+10.5%	Moderate
Waverly	1	$1,223	31	+9.7%	Moderate
Saranac	1	$1,235	31	+8.3%	Moderate
Big Rapids	1	$1,139	31	+9.8%	Moderate
Ithaca	1	$1,311	31	+11.0%	Moderate
Dimondale	1	$1,264	31	+9.5%	Moderate
Grand Haven	2	$1,246	31	+10.1%	Moderate
Beulah	1	$1,229	31	+11.4%	Moderate
Rockford	1	$1,241	31	+8.5%	Moderate
Hermansville	1	$1,004	31	+9.8%	Moderate
Stanton	2	$1,212	30	+9.3%	Moderate
Lake City	1	$1,083	30	+10.3%	Moderate
Millersburg	1	$1,056	30	+12.9%	Moderate
Boyne Falls	1	$1,231	30	+12.1%	Moderate
Kingsley	2	$1,139	30	+11.0%	Moderate
Hudsonville	1	$1,109	30	+10.1%	Moderate
Rapid City	1	$1,334	30	+11.8%	Moderate
Hubbard Lake	6	$1,084	30	+11.3%	Moderate
Westphalia	1	$1,054	30	+8.8%	Moderate
Alma	1	$1,194	30	+9.5%	Moderate
Pentwater	1	$1,268	30	+10.6%	Moderate
St. James	1	$1,497	30	+16.6%	Moderate
De Tour Village	4	$1,212	30	+10.4%	Moderate
Wellston	2	$960	30	+12.0%	Moderate
Walker	2	$1,040	30	+8.8%	Moderate
White Cloud	1	$1,150	30	+11.3%	Moderate
Traverse City	1	$1,340	30	+9.9%	Moderate
St. Helen	1	$876	30	+10.9%	Moderate
New Era	1	$1,200	29	+9.4%	Moderate
Roscommon	1	$1,038	29	+11.4%	Moderate
Concord	1	$1,339	29	+9.7%	Moderate
Tekonsha	1	$1,281	29	+9.0%	Moderate
Kincheloe	3	$1,231	29	+11.0%	Moderate
Newaygo	1	$1,197	29	+10.7%	Moderate
Fountain	1	$1,000	29	+11.1%	Moderate
Tecumseh	1	$1,286	29	+9.4%	Moderate
Ludington	1	$1,176	29	+10.1%	Moderate
Hillman	2	$1,091	29	+9.2%	Moderate
Greilickville	2	$1,277	29	+10.0%	Moderate
Ashley	1	$1,246	29	+8.5%	Moderate
Wakefield	1	$941	29	+10.4%	Moderate
Hastings	1	$1,219	29	+9.9%	Moderate
Grawn	1	$1,105	28	+10.3%	Moderate
Crystal Mountain	1	$1,182	28	+10.1%	Moderate
Dorr	1	$1,069	28	+10.0%	Moderate
Marion	1	$1,158	28	+12.9%	Moderate
Cheboygan	2	$1,166	28	+13.2%	Moderate
Greenville	1	$1,172	28	+9.8%	Moderate
Frankfort	1	$1,488	28	+12.4%	Moderate
Nunica	1	$1,133	28	+10.1%	Moderate
Grayling	2	$1,120	28	+9.8%	Moderate
Alpena	1	$1,005	28	+8.4%	Moderate
Rothbury	1	$1,149	28	+9.9%	Moderate
Carp Lake	1	$985	27	+9.6%	Moderate
Howard City	1	$1,288	27	+9.7%	Moderate
Brimley	3	$1,018	27	+11.4%	Moderate
Lewiston	2	$1,009	27	+11.3%	Moderate
Iron River	1	$1,067	27	+11.9%	Moderate
Chums Corner	1	$1,122	26	+9.4%	Moderate
Levering	1	$1,141	26	+10.6%	Moderate
Sheridan	1	$1,213	26	+9.9%	Moderate
Holland	2	$1,192	26	+9.3%	Moderate
South Boardman	1	$1,200	26	+10.4%	Moderate
Suttons Bay	1	$1,369	26	+12.2%	Moderate
Mackinaw City	1	$1,052	26	+9.4%	Moderate
North Muskegon	1	$1,144	26	+8.9%	Moderate
Honor	1	$1,079	26	+10.7%	Moderate
Clare	1	$1,204	26	+8.3%	Moderate
Hopkins	1	$948	25	+10.8%	Moderate
Weidman	1	$1,173	25	+11.6%	Moderate
Middleville	1	$1,183	25	+8.3%	Moderate
Jenison	1	$1,008	25	+9.7%	Moderate
Bendon	1	$1,017	25	+9.7%	Moderate
Manton	1	$1,195	25	+9.3%	Moderate
Benzonia	1	$1,096	25	+9.8%	Moderate
Allendale	1	$1,004	25	+8.0%	Moderate
Mears	1	$1,086	25	+9.4%	Moderate
Wayland	1	$1,111	25	+9.7%	Moderate
Buckley	1	$1,083	25	+8.3%	Moderate
Rogers City	2	$966	24	+9.1%	Moderate
Hardwood Acres	1	$1,151	24	+9.7%	Moderate
Beechwood	1	$1,200	24	+8.8%	Moderate
Hesperia	1	$1,125	24	+10.0%	Moderate
Zeeland	1	$1,066	24	+9.7%	Moderate
Daggett	1	$1,053	24	+10.4%	Moderate
Mesick	1	$1,134	24	+12.4%	Moderate
Fife Lake	1	$1,032	23	+11.1%	Moderate
Cadillac	1	$1,135	23	+11.1%	Moderate
St. Ignace	2	$1,036	22	+10.2%	Moderate

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Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.