"According to newly released American Community Survey (ACS) data from the U.S. Census Bureau, Michigan homeowners with a mortgage typically pay $1,000-$1,499 annually for homeowners insurance, while those without a mortgage average just $800-$999. Michigan has 3,034,798 insured homeowner households in total-1,716,123 with a mortgage and 1,318,675 without. Among mortgaged owners, 173,800 pay less than $100 annually and 51,372 pay $4,000 or more."
"While homeowners in Florida and Louisiana are paying record-high premiums, new data from the U.S. Census Bureau and the Realtor.com® 2025 Climate Risk Report shows that Michigan remains a relatively affordable market. Indiana, Illinois, and Ohio all report average premiums of $1,000-$1,499 for mortgaged households, matching Michigan. By contrast, Minnesota homeowners pay more, averaging $1,500-$1,999 with a mortgage."
U.S. Census Bureau American Community Survey (ACS) data show Michigan homeowners with a mortgage typically pay $1,000–$1,499 annually for homeowners insurance, while those without a mortgage average $800–$999. Statewide costs fall into the $1,000–$1,499 range. Michigan has 3,034,798 insured homeowner households: 1,716,123 with a mortgage and 1,318,675 without. Among mortgaged owners, 173,800 pay less than $100 annually and 51,372 pay $4,000 or more; among non-mortgaged owners, 280,359 pay less than $100 and 23,556 pay $4,000 or more. Nearby Indiana, Illinois, Ohio, and Wisconsin report similar averages; Minnesota averages $1,500–$1,999.
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