Michigan Homeowners Insurance

Compiled by PlainInsure · May 15, 2026

U.S. Treasury FIO data for 911 ZIP codes in Michigan (MI).

The verdict

According to U.S. Treasury FIO filings, Michigan ranks #45 of 51 by average premium ($1,233/yr) ≠ #23 of 50 by nonrenewal (1.11%). Cost rank is not withdrawal rank.

$1,233
State avg premium (#45 of 51): #23
Nonrenewal of 50 (1.11%): 48202
In-state premium ZIP #1 ($3,465): 48128
In-state nonrenewal ZIP #1 (3.87%)

Premium rank counts states with a reported average premium, highest first, abbreviation tiebreak. Nonrenewal rank counts states that publish a rate. In-state ZIP #1s are separate extracts.

Michigan vs all states by ZIP-mean homeowners premium

Where this state's average ZIP premium sits among every state that reports one (lower is better for homeowners)

$1,233 Among the lowest premiums lower premium than 86% of 51 states

States, banded by ZIP-mean annual homeowners premium (FIO)

Each bar is a $0.001K-wide band; taller bars hold more states. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source U.S. Treasury FIO Homeowners Insurance Markets Report · 2018–2022

Homeowners in Michigan pay an average of $1,233 per year for home insurance - 31% below the national average of $1,776. That ranks Michigan as the 45th most expensive state out of 51 for homeowners insurance. Between 2018 and 2022, premiums fell by 0.4%; nonrenewal rates declined by 67.4% over the same period.

On five-year premium growth (2018–2022), Michigan ranks 45th out of 51 states. Its nonrenewal rate (1.11%) ranks 23rd out of 50 - nonrenewal is an early warning indicator of insurer retreat, often tied to disaster risk.

According to the U.S. Department of the Treasury, Federal Insurance Office - "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Premium values are five-year averages across all ZIP-level observations. See methodology for how the state rank and comparison are calculated.

How Michigan Compares

vs National Average

$1,233 vs $1,776

31% below national avg

Rank Among States

45th of 51

most expensive for homeowners insurance

Loss Ratio vs National

56.7% vs 58.0%

insurers retain more margin here

Avg Premium

$1,233/yr

National avg: $1,776 (-31% below)

Premium Change

-0.4%

2018-2022 change

Avg Loss Ratio

56.7%

Claims paid vs premiums earned

Nonrenewal Rate

1.11%

-67.4% change

Data Snapshot: Michigan Homeowners Insurance

Across the 911 Michigan ZIP codes in the U.S. Treasury FIO data, the average annual home insurance premium is $1,233. That is an average of ZIP codes, in which a ZIP of a few hundred people counts the same as one of tens of thousands. Weighting each ZIP by its population, closer to what a typical Michigan homeowner pays, gives $1,506 per year. That is 31% below the national average of $1,776 per year reported by the Federal Insurance Office. Michigan ranks 45th most expensive out of 51 states and territories on annual premium, with ZIP-level observations ranging from $669 in 48630 to $3,465 in 48202.

Between 2018 and 2022, average premiums fell by 0.4% in Michigan, placing the state 45th nationally on five-year premium growth. The state-level loss ratio averaged 56.7%, meaning insurers retained a healthy margin after claims, typical of stable markets. Nonrenewal rates, the share of policies insurers decline to extend at expiration, averaged 1.11% across the ZIP codes that report one, a decline of 67.4% over the study period (ranking 23rd out of 50 states).

Within Michigan, premium dispersion across ZIP codes is substantial: the most expensive ZIP (48202 in Detroit) charges 418% more than the least expensive (48630 in Houghton Lake Heights), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is a FIO registry extract, not a quote or a recommendation.

How to read these figures: state averages on this page are computed from U.S. Treasury Federal Insurance Office data, which the office collects directly from the largest homeowners insurers and reports at the ZIP-code level. A statewide average blends expensive coastal and wildfire-exposed markets with lower-cost inland areas, so the figure is a useful benchmark but will understate what some residents pay and overstate what others pay. The loss ratio is the share of every premium dollar that insurers returned as claims; sustained ratios near or above one signal a market under pressure, where rate increases, tighter underwriting, or nonrenewals tend to follow. Claim frequency and nonrenewal rates show how often policies result in claims and how often insurers decline to renew, both of which track local catastrophe exposure. Treat the state number as a registry average, then open the ZIP table below for the same filing year's local premium and nonrenewal extracts.

Loss Ratio Reading: Michigan

Michigan statewide - FIO 2018-2022 average: 57% (Insurer-favorable) - low claim payout, insurer retains a healthy margin.

ZIP Codes Tracked

911

Reporting Period

2018-2022

Source

U.S. Treasury FIO

Premium Trends (2018-2022)

Year	Avg Premium	Median Premium	Loss Ratio	Claim Freq	Nonrenewal
2018	$1,238	$1,175	45.0%	3.98%	3.40%
2019	$1,233 (-0.4%)	$1,165	50.5%	4.31%	2.81%
2020	$1,232 (-0.0%)	$1,163	50.3%	4.04%	2.03%
2021	$1,227 (-0.4%)	$1,162	54.5%	4.84%	1.44%
2022	$1,233 (+0.5%)	$1,171	56.7%	4.75%	1.11%

Average homeowners premium per year in Michigan.

Most Expensive ZIP Codes in Michigan

Most Affordable ZIP Codes in Michigan

48630

Houghton Lake Heights, MI

All ZIP Codes in Michigan

911 ZIP codes sorted by premium (highest first). Click column headers to sort.

ZIP	City	Premium	Loss Ratio	Claims	Nonrenewal
48202	Detroit	$3,465	52.0%	9.07%	2.65%
48302	Bloomfield Hills	$3,397	71.2%	6.36%	1.99%
48304	Bloomfield Hills	$3,388	63.0%	6.08%	2.29%
48214	Detroit	$3,374	37.4%	4.68%	3.22%
49757	Mackinac Island	$3,276	461.0%	4.62%	N/A
48201	Detroit	$3,057	3.6%	2.41%	2.41%
48206	Detroit	$2,999	61.5%	4.54%	2.27%
48207	Detroit	$2,912	24.0%	6.05%	1.86%
48301	Bloomfield Hills	$2,817	55.3%	5.87%	1.81%
48230	Grosse Pointe	$2,813	58.2%	6.18%	2.37%
48203	Highland Park	$2,753	72.1%	6.42%	3.11%
48323	West Bloomfield	$2,660	51.2%	6.12%	2.41%
49116	Lakeside	$2,610	65.5%	5.58%	0.49%
48221	Detroit	$2,592	40.0%	6.05%	2.07%
48208	Detroit	$2,549	47.0%	4.23%	1.51%
48009	Birmingham	$2,541	54.4%	5.91%	1.51%
48215	Detroit	$2,508	40.0%	4.00%	2.18%
48213	Detroit	$2,476	43.4%	4.06%	2.51%
48227	Detroit	$2,395	51.4%	5.74%	1.82%
48238	Detroit	$2,390	51.6%	5.59%	1.72%
48025	Franklin	$2,348	54.7%	5.30%	1.68%
48204	Detroit	$2,339	64.1%	4.54%	2.18%
48223	Detroit	$2,335	37.0%	5.35%	1.33%
48224	Detroit	$2,274	53.3%	4.99%	2.08%
48236	Grosse Pointe	$2,258	44.1%	4.52%	2.06%
48322	West Bloomfield	$2,235	73.4%	7.89%	2.79%
48211	Detroit	$2,222	0.6%	0.65%	5.16%
48034	Southfield	$2,211	58.1%	6.98%	1.86%
48235	Detroit	$2,186	40.9%	4.46%	1.92%
48607	Saginaw	$2,161	80.8%	6.45%	3.23%
48306	Rochester	$2,156	63.0%	7.21%	1.91%
48205	Detroit	$2,115	67.1%	4.66%	2.20%
48324	West Bloomfield	$2,115	57.9%	5.20%	2.06%
48216	Detroit	$2,073	17.7%	2.51%	3.06%
48363	Oakland	$2,070	26.8%	3.35%	1.49%
48234	Detroit	$2,034	35.0%	5.48%	2.27%
48075	Southfield	$2,031	70.3%	6.74%	1.44%
49654	Leland	$2,030	89.7%	4.21%	0.32%
48219	Detroit	$2,020	62.4%	4.20%	1.57%
48228	Detroit	$1,988	36.5%	3.62%	2.04%
48168	Northville	$1,986	87.7%	8.68%	2.54%
48070	Huntington Woods	$1,982	34.2%	4.28%	1.74%
49434	Macatawa	$1,937	20.8%	4.79%	0.60%
49740	Harbor Springs	$1,904	30.1%	3.00%	0.45%
49717	Burt Lake	$1,889	17.9%	1.56%	N/A
48210	Detroit	$1,870	35.2%	2.29%	3.66%
48138	Grosse Ile	$1,866	39.9%	3.33%	1.38%
48167	Northville	$1,856	55.6%	4.74%	1.86%
49117	New Buffalo	$1,856	45.2%	2.92%	0.35%
48331	Farmington	$1,849	52.6%	5.03%	2.08%
48374	Novi	$1,833	73.3%	6.21%	1.81%
48334	Farmington	$1,826	62.6%	6.66%	1.76%
48370	Oxford	$1,821	57.5%	2.97%	2.29%
49636	Glen Arbor	$1,815	15.1%	4.27%	0.66%
49796	Walloon Lake	$1,792	143.1%	5.50%	0.92%
48033	Southfield	$1,783	77.9%	5.71%	2.04%
48348	Clarkston	$1,764	31.6%	3.40%	1.27%
49060	Hickory Corners	$1,742	39.5%	4.26%	0.53%
48098	Troy	$1,736	43.4%	4.39%	2.46%
49301	Ada	$1,734	48.8%	6.12%	0.50%
48380	Milford	$1,734	64.1%	6.00%	1.37%
48209	Detroit	$1,733	25.0%	1.76%	2.28%
48503	Flint	$1,724	40.2%	4.75%	1.50%
48069	Pleasant Ridge	$1,717	32.6%	4.55%	1.82%
49129	Union Pier	$1,703	76.8%	4.11%	0.13%
48095	Washington	$1,692	19.6%	2.63%	1.50%
49674	Omena	$1,678	4.9%	3.40%	N/A
48315	Utica	$1,660	74.0%	5.79%	2.56%
48504	Flint	$1,656	73.3%	6.30%	1.83%
48076	Southfield	$1,652	49.9%	5.25%	1.32%
48455	Metamora	$1,651	46.9%	3.54%	1.71%
48105	Ann Arbor	$1,640	23.7%	2.78%	1.81%
48367	Leonard	$1,628	54.8%	4.23%	1.66%
48094	Washington	$1,613	75.0%	4.88%	2.35%
49115	Harbert	$1,611	48.7%	5.14%	0.51%
48212	Hamtramck	$1,607	47.7%	3.18%	3.85%
48065	Romeo	$1,602	62.5%	4.10%	2.13%
48341	Pontiac	$1,602	46.9%	5.00%	1.11%
49716	Brutus	$1,600	16.9%	6.42%	0.56%
48382	Commerce Township	$1,589	56.9%	4.36%	1.94%
49670	Northport	$1,582	24.3%	5.67%	0.25%
48096	Ray	$1,570	48.2%	4.49%	1.01%
48532	Flint	$1,566	50.7%	5.88%	1.65%
49043	Covert	$1,565	105.2%	5.07%	0.61%
48505	Flint	$1,558	39.0%	5.75%	2.10%
48309	Rochester	$1,556	48.8%	4.50%	2.06%
48320	Keego Harbor	$1,551	27.3%	4.41%	2.52%
48438	Goodrich	$1,545	50.1%	3.73%	1.11%
48237	Oak Park	$1,541	33.6%	3.42%	2.79%
48104	Ann Arbor	$1,538	35.5%	3.23%	1.71%
48084	Troy	$1,537	35.0%	5.05%	2.04%
48335	Farmington	$1,534	46.5%	4.20%	1.91%
48126	Dearborn	$1,532	24.9%	2.10%	3.54%
49770	Petoskey	$1,528	33.4%	3.51%	0.44%
48063	Columbus	$1,521	27.0%	3.34%	2.14%
48357	Highland	$1,512	43.1%	3.96%	1.49%
48381	Milford	$1,501	46.1%	4.39%	1.46%
48225	Harper Woods	$1,500	99.8%	4.47%	2.45%
48002	Allenton	$1,498	28.3%	4.27%	2.74%
48360	Lake Orion	$1,497	43.4%	3.49%	1.54%
48316	Utica	$1,497	78.6%	5.61%	2.00%
49031	Cassopolis	$1,496	85.4%	6.96%	1.04%
49720	Charlevoix	$1,496	32.1%	3.20%	0.56%
48028	Harsens Island	$1,490	21.2%	2.37%	1.00%
48428	Dryden	$1,479	23.0%	2.83%	1.63%
48050	New Haven	$1,477	150.9%	4.40%	1.47%
49130	Union	$1,473	76.6%	6.62%	0.92%
48217	Detroit	$1,473	118.4%	5.92%	2.06%
49083	Richland	$1,468	29.5%	4.66%	0.63%
48120	Dearborn	$1,466	36.8%	2.95%	2.13%
48377	Novi	$1,466	70.7%	5.76%	2.70%
48439	Grand Blanc	$1,464	60.7%	4.61%	1.43%
48027	Goodells	$1,463	25.1%	3.90%	1.80%
48064	Casco	$1,461	83.7%	5.66%	1.11%
48350	Davisburg	$1,445	35.7%	2.91%	1.33%
49546	Grand Rapids	$1,444	49.8%	5.64%	0.85%
49112	Edwardsburg	$1,443	52.6%	7.30%	0.65%
48362	Lake Orion	$1,443	38.7%	3.65%	1.10%
48342	Pontiac	$1,442	54.5%	5.61%	1.52%
49648	Kewadin	$1,436	40.2%	5.48%	0.87%
48218	River Rouge	$1,436	40.2%	3.94%	1.31%
48022	Emmett	$1,428	32.0%	2.94%	1.65%
48130	Dexter	$1,425	47.0%	3.56%	0.91%
48176	Saline	$1,424	48.5%	2.84%	1.32%
48032	Jeddo	$1,415	35.5%	5.57%	2.09%
49653	Lake Leelanau	$1,414	20.3%	6.09%	0.34%
48601	Saginaw	$1,412	66.2%	6.16%	1.41%
49453	Saugatuck	$1,409	63.3%	3.52%	0.84%
48005	Armada	$1,404	190.3%	10.45%	1.59%
48164	New Boston	$1,403	62.2%	3.83%	1.29%
49229	Britton	$1,400	85.8%	2.64%	0.99%
48178	South Lyon	$1,397	43.7%	3.42%	1.50%
48864	Okemos	$1,393	28.7%	3.44%	0.92%
48430	Fenton	$1,393	62.8%	4.73%	1.38%
48433	Flushing	$1,393	53.1%	5.39%	1.55%
48371	Oxford	$1,392	49.7%	3.85%	0.86%
49664	Maple City	$1,391	34.3%	6.27%	0.75%
48386	White Lake	$1,391	112.8%	6.84%	1.51%
49246	Horton	$1,390	86.8%	7.50%	0.64%
48383	White Lake	$1,387	42.1%	4.39%	1.31%
49506	Grand Rapids	$1,386	49.4%	4.66%	0.71%
48463	Otisville	$1,384	34.7%	3.86%	1.25%
48170	Plymouth	$1,384	39.8%	3.29%	2.08%
48188	Canton	$1,382	87.5%	5.49%	2.38%
48006	Avoca	$1,382	38.2%	4.29%	1.69%
49406	Douglas	$1,381	13.5%	1.95%	0.53%
48114	Brighton	$1,380	112.3%	6.77%	1.32%
48111	Belleville	$1,378	55.9%	4.30%	1.20%
48458	Mount Morris	$1,378	56.9%	4.86%	0.72%
48346	Clarkston	$1,377	47.4%	3.38%	1.69%
49113	Galien	$1,377	27.9%	3.16%	1.26%
49012	Augusta	$1,377	25.7%	5.11%	0.88%
49265	Onsted	$1,375	108.1%	6.40%	0.67%
48734	Frankenmuth	$1,374	28.1%	3.73%	0.68%
49125	Sawyer	$1,374	41.0%	4.12%	0.37%
48375	Novi	$1,371	66.6%	4.08%	2.56%
48933	Lansing	$1,371	364.9%	6.67%	N/A
48108	Ann Arbor	$1,370	26.1%	3.56%	1.52%
49128	Three Oaks	$1,370	48.7%	2.62%	1.22%
48085	Troy	$1,368	34.7%	3.67%	1.94%
48003	Almont	$1,368	54.1%	2.78%	1.43%
48614	Brant	$1,366	326.2%	33.88%	0.55%
49276	Riga	$1,365	6.9%	3.68%	1.05%
49234	Clarklake	$1,364	97.2%	6.24%	0.86%
48042	Macomb	$1,363	76.3%	5.62%	2.18%
48158	Manchester	$1,363	35.1%	4.23%	0.71%
48054	East China	$1,362	48.3%	3.30%	1.34%
49268	Palmyra	$1,362	76.4%	4.52%	1.69%
48356	Highland	$1,362	90.7%	4.44%	1.50%
48436	Gaines	$1,361	95.2%	4.63%	1.34%
48444	Imlay City	$1,360	48.4%	4.21%	1.20%
48159	Maybee	$1,359	51.4%	3.21%	0.20%
48044	Macomb	$1,358	55.6%	4.57%	2.16%
48359	Lake Orion	$1,354	45.6%	3.12%	1.70%
48390	Walled Lake	$1,353	59.6%	5.15%	2.01%
48507	Flint	$1,353	54.9%	4.51%	1.39%
49102	Berrien Center	$1,353	215.3%	10.47%	1.08%
48079	Saint Clair	$1,352	39.9%	3.57%	1.24%
48023	Fair Haven	$1,351	55.4%	4.48%	0.88%
48412	Attica	$1,350	59.6%	3.97%	1.54%
48116	Brighton	$1,350	84.7%	5.26%	1.63%
48141	Inkster	$1,349	68.2%	4.77%	1.34%
49267	Ottawa Lake	$1,347	43.3%	3.90%	0.80%
49033	Ceresco	$1,345	90.8%	2.97%	0.64%
49095	Vandalia	$1,342	103.1%	5.95%	0.62%
48239	Redford	$1,341	40.2%	3.45%	1.90%
48036	Clinton Township	$1,340	48.2%	4.56%	1.76%
48626	Hemlock	$1,339	44.3%	4.21%	0.63%
49061	Jones	$1,339	34.1%	6.95%	N/A
48461	North Branch	$1,337	50.5%	4.37%	1.28%
49090	South Haven	$1,337	27.7%	3.55%	0.59%
48307	Rochester	$1,337	53.5%	4.55%	1.91%
48103	Ann Arbor	$1,335	38.9%	3.56%	1.43%
48462	Ortonville	$1,334	68.7%	3.33%	1.14%
48328	Waterford	$1,334	59.3%	3.24%	1.30%
48314	Sterling Heights	$1,334	50.2%	3.48%	2.50%
49727	East Jordan	$1,334	33.4%	4.04%	0.32%
48229	Ecorse	$1,333	80.8%	5.95%	1.80%
48435	Fostoria	$1,331	17.5%	1.86%	1.55%
48021	Eastpointe	$1,330	58.5%	3.95%	1.56%
48421	Columbiaville	$1,330	19.9%	2.80%	1.22%
49051	East Leroy	$1,329	41.0%	5.85%	0.92%
48418	Byron	$1,329	26.0%	3.93%	1.24%
48038	Clinton Township	$1,329	60.7%	4.11%	2.23%
48426	Decker	$1,328	11.3%	2.44%	1.63%
48045	Harrison Township	$1,327	41.8%	4.17%	1.38%
49103	Berrien Springs	$1,327	130.5%	12.31%	0.40%
49007	Kalamazoo	$1,326	89.2%	6.06%	1.79%
48062	Richmond	$1,326	100.5%	7.22%	1.11%
49235	Clayton	$1,326	138.7%	5.88%	1.40%
49066	Leonidas	$1,326	21.0%	7.48%	N/A
48442	Holly	$1,325	67.2%	3.64%	1.12%
49635	Frankfort	$1,324	36.0%	3.83%	0.14%
49064	Lawrence	$1,324	93.3%	10.53%	0.23%
49068	Marshall	$1,324	46.9%	5.31%	0.76%
48451	Linden	$1,323	95.7%	4.69%	1.41%
49029	Burlington	$1,322	23.7%	2.23%	1.27%
48174	Romulus	$1,322	63.0%	4.74%	1.35%
49067	Marcellus	$1,322	145.9%	16.38%	0.47%
48326	Auburn Hills	$1,322	34.9%	3.01%	1.49%
49969	Watersmeet	$1,319	18.8%	3.88%	0.20%
48464	Otter Lake	$1,319	57.5%	6.13%	1.48%
49099	White Pigeon	$1,317	317.4%	10.47%	0.44%
48420	Clio	$1,317	31.6%	3.44%	1.19%
48895	Williamston	$1,315	47.5%	4.11%	0.83%
48014	Capac	$1,314	33.6%	3.70%	1.28%
48843	Howell	$1,314	87.4%	6.34%	1.10%
49264	Onondaga	$1,314	55.8%	3.63%	0.78%
48473	Swartz Creek	$1,314	35.3%	3.34%	1.45%
48041	Memphis	$1,314	72.5%	2.63%	2.18%
49227	Allen	$1,311	32.0%	6.91%	0.46%
48047	New Baltimore	$1,311	48.8%	3.83%	1.94%
49287	Tipton	$1,308	74.1%	4.35%	1.13%
48097	Yale	$1,305	28.4%	2.03%	1.69%
49712	Boyne City	$1,305	25.0%	3.72%	0.52%
49240	Grass Lake	$1,304	35.7%	3.54%	0.85%
48457	Montrose	$1,304	61.9%	3.65%	1.15%
48602	Saginaw	$1,304	41.6%	4.00%	1.75%
48449	Lennon	$1,304	147.4%	3.81%	0.90%
48872	Perry	$1,303	143.7%	12.95%	0.55%
48187	Canton	$1,303	43.9%	3.71%	2.23%
48336	Farmington	$1,302	46.6%	4.82%	1.73%
48140	Ida	$1,297	27.8%	3.35%	1.23%
48197	Ypsilanti	$1,297	53.1%	3.96%	1.47%
49285	Stockbridge	$1,297	41.7%	3.63%	0.51%
48506	Flint	$1,296	61.1%	4.89%	1.27%
49111	Eau Claire	$1,296	65.0%	7.34%	0.62%
48746	Millington	$1,293	31.1%	4.33%	1.10%
49277	Rives Junction	$1,293	83.0%	3.63%	0.81%
48353	Hartland	$1,293	57.6%	4.59%	1.09%
48423	Davison	$1,293	90.3%	4.40%	1.42%
49076	Olivet	$1,291	66.4%	4.77%	0.27%
49719	Cedarville	$1,291	27.0%	3.16%	0.63%
48878	Rosebush	$1,291	36.5%	3.61%	1.20%
48039	Marine City	$1,290	36.8%	2.88%	1.29%
48118	Chelsea	$1,288	37.1%	3.29%	1.13%
49021	Bellevue	$1,286	21.7%	3.10%	0.98%
48127	Dearborn Heights	$1,285	32.6%	2.64%	3.08%
48823	East Lansing	$1,285	37.9%	3.58%	1.13%
49248	Jasper	$1,285	23.7%	3.20%	1.60%
49782	Beaver Island	$1,284	9.3%	2.10%	0.16%
48760	Silverwood	$1,283	39.5%	3.96%	0.99%
49038	Coloma	$1,283	74.3%	5.46%	0.98%
49009	Kalamazoo	$1,281	74.5%	6.25%	0.72%
49270	Petersburg	$1,280	70.8%	4.17%	0.64%
49302	Alto	$1,280	31.5%	4.55%	0.94%
49098	Watervliet	$1,280	27.3%	4.34%	0.66%
48160	Milan	$1,280	44.5%	3.07%	0.97%
49087	Schoolcraft	$1,278	51.6%	3.39%	0.38%
48848	Laingsburg	$1,277	252.6%	19.32%	0.38%
49279	Sand Creek	$1,277	12.4%	2.82%	N/A
48836	Fowlerville	$1,275	70.7%	4.96%	0.93%
48173	Rockwood	$1,274	37.8%	3.55%	1.33%
49047	Dowagiac	$1,274	81.2%	8.47%	0.83%
49456	Spring Lake	$1,273	58.3%	3.97%	0.54%
49106	Bridgman	$1,273	27.1%	3.45%	0.66%
49071	Mattawan	$1,273	87.5%	8.60%	0.40%
49269	Parma	$1,272	62.3%	6.37%	1.02%
48049	North Street	$1,271	21.4%	2.68%	1.38%
48179	South Rockwood	$1,267	87.5%	4.15%	0.43%
49045	Decatur	$1,267	169.8%	19.39%	0.76%
48855	Howell	$1,266	75.6%	4.07%	1.16%
49224	Albion	$1,266	41.4%	5.96%	0.89%
49253	Manitou Beach	$1,265	28.5%	4.27%	0.88%
48722	Bridgeport	$1,261	41.3%	3.99%	1.28%
48340	Pontiac	$1,261	24.3%	3.62%	1.05%
48327	Waterford	$1,261	55.0%	4.41%	1.52%
48329	Waterford	$1,260	44.0%	3.67%	1.55%
48117	Carleton	$1,260	57.1%	4.08%	0.72%
48416	Brown City	$1,260	54.7%	7.27%	0.92%
48822	Eagle	$1,259	28.9%	3.93%	0.76%
49408	Fennville	$1,258	44.1%	4.23%	0.31%
49627	Eastport	$1,258	38.4%	2.50%	0.83%
48137	Gregory	$1,258	38.0%	4.63%	1.30%
49241	Hanover	$1,258	41.4%	7.53%	1.29%
48128	Dearborn	$1,258	22.6%	1.90%	3.87%
48741	Kingston	$1,258	31.1%	3.31%	0.99%
49271	Pittsford	$1,257	87.7%	4.53%	1.70%
49220	Addison	$1,257	150.1%	7.12%	1.49%
49232	Camden	$1,257	25.1%	3.56%	1.05%
49233	Cement City	$1,256	192.9%	6.59%	0.24%
48744	Mayville	$1,256	35.2%	4.61%	1.08%
48509	Burton	$1,256	46.1%	4.37%	1.07%
48892	Webberville	$1,254	101.5%	5.02%	0.53%
48871	Perrinton	$1,254	63.2%	4.39%	0.44%
48051	New Baltimore	$1,254	33.8%	3.53%	2.50%
48454	Melvin	$1,253	26.1%	5.39%	0.98%
48841	Henderson	$1,252	247.1%	3.65%	N/A
49079	Paw Paw	$1,251	59.3%	5.52%	0.67%
48393	Wixom	$1,250	24.9%	3.47%	0.93%
48220	Ferndale	$1,248	33.7%	3.23%	1.87%
48649	Oakley	$1,248	37.7%	4.20%	N/A
48415	Birch Run	$1,248	36.0%	4.61%	1.00%
48446	Lapeer	$1,247	37.4%	3.60%	1.09%
49249	Jerome	$1,242	30.1%	4.50%	0.72%
48437	Genesee	$1,242	93.1%	7.32%	N/A
49690	Williamsburg	$1,241	53.9%	6.04%	0.46%
49057	Hartford	$1,241	215.5%	21.86%	0.84%
49032	Centreville	$1,240	39.7%	4.77%	0.48%
49284	Springport	$1,240	11.2%	3.02%	1.60%
49093	Three Rivers	$1,240	90.3%	8.69%	0.71%
49259	Munith	$1,239	20.8%	3.00%	1.11%
49017	Battle Creek	$1,239	65.1%	4.39%	1.16%
48165	New Hudson	$1,239	30.5%	2.51%	1.69%
48655	Saint Charles	$1,238	64.0%	6.11%	0.67%
49630	Empire	$1,238	27.0%	3.78%	0.70%
48152	Livonia	$1,238	36.3%	3.40%	2.00%
49022	Benton Harbor	$1,238	96.2%	9.63%	1.29%
48827	Eaton Rapids	$1,237	41.7%	3.31%	0.69%
49675	Onekama	$1,236	29.3%	4.98%	0.50%
48240	Redford	$1,236	27.3%	2.59%	1.59%
48729	Deford	$1,236	218.7%	4.66%	0.85%
49120	Niles	$1,234	46.1%	4.23%	0.93%
48169	Pinckney	$1,234	53.1%	5.21%	1.62%
49339	Pierson	$1,232	33.4%	4.42%	0.95%
48067	Royal Oak	$1,231	34.8%	2.87%	2.47%
48860	Muir	$1,230	178.9%	4.28%	1.07%
48453	Marlette	$1,230	45.6%	5.70%	0.55%
49460	West Olive	$1,227	39.0%	3.44%	0.58%
49088	Scotts	$1,226	49.7%	5.33%	0.78%
48727	Clifford	$1,225	17.9%	2.99%	0.60%
49612	Alden	$1,225	32.0%	3.94%	0.17%
48623	Freeland	$1,225	47.6%	4.83%	1.12%
49788	Kincheloe	$1,224	47.0%	3.54%	0.88%
48134	Flat Rock	$1,224	25.0%	3.09%	1.50%
49726	Drummond Island	$1,224	18.0%	1.32%	0.44%
48417	Burt	$1,224	93.6%	3.96%	0.83%
48145	La Salle	$1,223	92.8%	2.56%	0.43%
48089	Warren	$1,222	24.1%	2.85%	1.47%
48401	Applegate	$1,222	49.7%	2.44%	1.39%
48616	Chesaning	$1,221	318.9%	28.24%	0.98%
49237	Concord	$1,220	22.7%	5.52%	0.15%
49682	Suttons Bay	$1,220	28.8%	4.20%	0.25%
49686	Traverse City	$1,219	68.1%	4.99%	0.57%
49127	Stevensville	$1,219	41.8%	4.29%	0.84%
49272	Pleasant Lake	$1,218	51.7%	5.16%	1.18%
48638	Saginaw	$1,217	39.9%	3.10%	1.15%
48043	Mount Clemens	$1,217	50.8%	3.75%	1.70%
49230	Brooklyn	$1,217	65.5%	6.26%	0.85%
49065	Lawton	$1,217	55.2%	6.03%	0.46%
49085	Saint Joseph	$1,216	57.1%	5.53%	0.75%
48819	Dansville	$1,214	22.9%	2.72%	0.68%
49250	Jonesville	$1,214	39.1%	5.14%	1.26%
48189	Whitmore Lake	$1,214	77.2%	4.77%	1.73%
49615	Bellaire	$1,214	103.0%	7.89%	0.51%
49034	Climax	$1,213	33.5%	2.94%	0.86%
48059	Fort Gratiot	$1,212	51.5%	4.31%	1.76%
49056	Grand Junction	$1,211	50.3%	4.03%	0.42%
48193	Riverview	$1,211	34.5%	4.71%	1.67%
48124	Dearborn	$1,211	24.0%	2.66%	2.85%
48857	Morrice	$1,210	46.5%	2.06%	0.21%
48191	Willis	$1,210	89.0%	6.01%	0.78%
49053	Galesburg	$1,209	40.1%	3.58%	0.67%
49245	Homer	$1,209	83.6%	4.41%	0.96%
48015	Center Line	$1,208	19.1%	2.71%	2.23%
49089	Sherwood	$1,208	29.1%	6.02%	0.33%
48529	Burton	$1,207	39.2%	4.31%	0.63%
49236	Clinton	$1,207	61.8%	4.25%	1.09%
48026	Fraser	$1,207	33.6%	3.20%	1.34%
48131	Dundee	$1,206	23.9%	3.43%	0.74%
48460	New Lothrop	$1,206	77.3%	4.96%	1.04%
49947	Marenisco	$1,205	20.8%	4.49%	0.64%
48414	Bancroft	$1,205	84.6%	3.65%	0.73%
48609	Saginaw	$1,205	33.4%	3.26%	1.22%
49126	Sodus	$1,204	113.4%	6.64%	0.88%
49091	Sturgis	$1,204	136.2%	11.87%	0.49%
48768	Vassar	$1,204	20.5%	4.16%	1.10%
48856	Middleton	$1,203	35.9%	5.94%	0.99%
49325	Freeport	$1,203	1.9%	0.81%	0.81%
49042	Constantine	$1,203	70.4%	8.95%	0.79%
49201	Jackson	$1,200	50.9%	5.12%	1.27%
49096	Vermontville	$1,200	16.1%	1.86%	1.40%
48603	Saginaw	$1,199	41.2%	4.78%	0.92%
49255	Montgomery	$1,199	77.9%	4.85%	0.44%
49050	Dowling	$1,198	23.2%	3.27%	1.09%
49107	Buchanan	$1,197	50.4%	4.02%	0.64%
48854	Mason	$1,196	60.2%	4.08%	0.63%
49316	Caledonia	$1,195	64.4%	6.43%	0.60%
49676	Rapid City	$1,194	26.8%	4.79%	0.39%
48701	Akron	$1,193	18.3%	9.14%	0.51%
48072	Berkley	$1,193	25.3%	2.30%	1.61%
49055	Gobles	$1,193	30.3%	4.10%	0.46%
48317	Utica	$1,193	94.4%	5.36%	1.12%
49621	Cedar	$1,193	161.8%	3.64%	0.36%
48419	Carsonville	$1,192	45.7%	4.05%	0.96%
49014	Battle Creek	$1,191	74.8%	5.47%	0.82%
48840	Haslett	$1,190	39.9%	4.08%	0.99%
48074	Smiths Creek	$1,190	77.3%	4.07%	1.02%
48640	Midland	$1,190	44.7%	4.91%	0.91%
48820	Dewitt	$1,189	41.0%	4.04%	0.62%
48030	Hazel Park	$1,189	28.3%	3.60%	1.50%
48834	Fenwick	$1,188	48.2%	3.58%	0.45%
48662	Wheeler	$1,188	158.3%	9.27%	0.40%
48845	Hubbardston	$1,187	33.5%	4.14%	0.59%
49008	Kalamazoo	$1,187	33.3%	4.24%	0.81%
49749	Indian River	$1,186	60.1%	5.37%	0.89%
48183	Trenton	$1,186	32.6%	3.18%	1.94%
48422	Croswell	$1,184	14.3%	2.03%	1.18%
48652	Rhodes	$1,184	52.4%	3.35%	0.61%
49046	Delton	$1,184	52.2%	3.95%	0.68%
49330	Kent City	$1,184	68.0%	4.78%	0.52%
48166	Newport	$1,184	42.6%	4.48%	0.71%
49052	Fulton	$1,184	94.0%	5.42%	0.60%
48807	Bannister	$1,183	47.5%	3.60%	0.72%
49288	Waldron	$1,183	23.7%	5.03%	1.26%
49347	Trufant	$1,182	26.4%	5.10%	2.23%
48001	Algonac	$1,182	69.9%	4.04%	0.80%
49310	Blanchard	$1,182	23.2%	4.73%	0.90%
48847	Ithaca	$1,182	126.8%	6.44%	0.57%
48877	Riverdale	$1,182	12.4%	2.63%	0.72%
49028	Bronson	$1,181	110.8%	6.45%	0.88%
49097	Vicksburg	$1,181	83.0%	5.11%	0.30%
48161	Monroe	$1,181	66.9%	3.58%	1.05%
48310	Sterling Heights	$1,179	43.9%	4.03%	2.15%
49251	Leslie	$1,179	32.7%	4.00%	1.02%
48723	Caro	$1,179	13.7%	2.52%	1.01%
48808	Bath	$1,179	28.3%	3.59%	1.00%
49013	Bangor	$1,178	75.0%	5.29%	0.85%
49343	Sand Lake	$1,178	31.3%	4.27%	1.13%
49094	Union City	$1,177	21.4%	3.05%	0.73%
48154	Livonia	$1,177	68.3%	3.64%	2.05%
49283	Spring Arbor	$1,177	39.9%	4.45%	1.37%
48048	New Haven	$1,177	54.8%	4.94%	1.94%
48139	Hamburg	$1,177	83.7%	22.54%	N/A
49011	Athens	$1,176	32.0%	7.22%	0.41%
48093	Warren	$1,176	44.0%	3.45%	2.50%
49461	Whitehall	$1,176	45.4%	4.48%	0.31%
49286	Tecumseh	$1,175	20.0%	2.90%	0.57%
49092	Tekonsha	$1,175	18.7%	5.51%	0.26%
49238	Deerfield	$1,175	50.7%	5.64%	0.77%
49329	Howard City	$1,174	57.6%	5.44%	0.41%
48811	Carson City	$1,174	133.2%	5.07%	1.13%
49247	Hudson	$1,174	102.7%	9.30%	0.89%
48312	Sterling Heights	$1,173	59.1%	4.14%	2.33%
49080	Plainwell	$1,172	70.9%	7.35%	0.65%
49764	Oden	$1,171	49.2%	5.77%	N/A
49101	Baroda	$1,171	7.5%	2.49%	0.83%
49072	Mendon	$1,171	31.8%	6.29%	0.97%
49073	Nashville	$1,169	46.0%	4.29%	1.10%
48472	Snover	$1,169	13.7%	4.17%	N/A
49221	Adrian	$1,168	36.9%	3.16%	1.17%
48519	Burton	$1,168	20.8%	3.21%	0.86%
48091	Warren	$1,168	51.7%	3.46%	2.15%
49026	Bloomingdale	$1,168	148.3%	5.66%	0.17%
49262	North Adams	$1,167	35.7%	3.04%	1.74%
48083	Troy	$1,167	44.2%	3.74%	2.09%
49688	Tustin	$1,166	37.4%	5.74%	0.98%
49036	Coldwater	$1,165	52.0%	5.51%	0.86%
48476	Vernon	$1,164	9.2%	2.48%	0.62%
48429	Durand	$1,164	22.4%	3.26%	0.43%
49327	Grant	$1,164	37.8%	4.73%	0.67%
49266	Osseo	$1,163	27.3%	2.64%	1.49%
48889	Sumner	$1,162	27.9%	3.69%	1.64%
48832	Elwell	$1,162	19.6%	2.89%	N/A
48637	Merrill	$1,162	104.5%	7.53%	0.31%
49010	Allegan	$1,161	45.1%	4.22%	0.89%
49228	Blissfield	$1,160	32.0%	3.73%	0.67%
48813	Charlotte	$1,160	39.9%	4.30%	0.57%
48817	Corunna	$1,159	64.0%	3.43%	0.40%
49331	Lowell	$1,159	59.6%	3.81%	0.72%
48184	Wayne	$1,158	66.8%	4.36%	1.41%
48821	Dimondale	$1,155	136.6%	4.31%	0.49%
48035	Clinton Township	$1,155	31.7%	3.52%	1.43%
48837	Grand Ledge	$1,154	84.9%	4.07%	0.45%
49082	Quincy	$1,153	118.8%	8.62%	1.27%
48890	Sunfield	$1,153	91.2%	4.05%	0.76%
49303	Bailey	$1,153	63.6%	6.49%	1.08%
48445	Kinde	$1,151	123.9%	4.30%	0.66%
49613	Arcadia	$1,151	27.0%	4.73%	N/A
49015	Battle Creek	$1,150	37.0%	5.04%	1.43%
48806	Ashley	$1,149	266.6%	8.76%	0.40%
48080	Saint Clair Shores	$1,148	35.9%	3.29%	1.86%
49449	Pentwater	$1,147	488.0%	4.98%	0.25%
48861	Mulliken	$1,146	102.4%	5.72%	1.20%
48475	Ubly	$1,146	26.3%	3.72%	1.16%
48313	Sterling Heights	$1,144	33.7%	2.85%	1.55%
48144	Lambertville	$1,144	23.1%	2.91%	0.69%
49318	Casnovia	$1,144	23.8%	4.79%	1.03%
48088	Warren	$1,144	43.0%	2.87%	1.77%
49341	Rockford	$1,144	48.6%	4.93%	0.47%
49735	Gaylord	$1,142	120.9%	6.93%	0.89%
48659	Sterling	$1,141	26.4%	3.10%	0.24%
49705	Afton	$1,141	150.3%	6.36%	1.16%
48198	Ypsilanti	$1,141	45.7%	4.13%	1.06%
48881	Saranac	$1,140	72.7%	3.07%	0.42%
48858	Mount Pleasant	$1,140	29.0%	3.47%	1.00%
48846	Ionia	$1,139	34.0%	3.95%	0.88%
48897	Woodland	$1,139	18.6%	6.19%	0.98%
49454	Scottville	$1,139	25.2%	4.76%	0.85%
48831	Elsie	$1,139	271.5%	19.51%	0.61%
48767	Unionville	$1,138	80.8%	4.14%	1.48%
49078	Otsego	$1,137	85.7%	10.76%	0.70%
49808	Big Bay	$1,137	18.7%	1.45%	1.45%
49340	Remus	$1,137	127.5%	5.91%	0.21%
48162	Monroe	$1,137	47.3%	4.24%	0.93%
48190	Whittaker	$1,137	N/A	N/A	2.78%
48642	Midland	$1,137	104.8%	7.09%	1.18%
49256	Morenci	$1,136	38.1%	4.33%	1.30%
49440	Muskegon	$1,136	42.8%	0.91%	0.91%
48186	Westland	$1,135	53.7%	4.18%	1.59%
48915	Lansing	$1,135	78.0%	5.07%	1.36%
49437	Montague	$1,134	42.0%	3.79%	0.47%
49455	Shelby	$1,134	133.4%	5.48%	0.70%
48726	Cass City	$1,133	50.0%	4.28%	0.68%
48851	Lyons	$1,133	10.0%	2.14%	0.71%
49730	Elmira	$1,133	56.8%	4.97%	1.05%
48040	Marysville	$1,133	31.5%	3.37%	1.31%
49425	Holton	$1,132	44.7%	3.55%	0.77%
49252	Litchfield	$1,131	16.0%	3.86%	0.55%
49684	Traverse City	$1,129	40.6%	4.14%	0.77%
48081	Saint Clair Shores	$1,127	42.2%	3.15%	1.29%
49336	Morley	$1,126	13.4%	3.07%	N/A
49724	Dafter	$1,123	25.3%	4.56%	1.14%
49024	Portage	$1,122	55.7%	5.28%	0.96%
48765	Turner	$1,122	15.4%	2.44%	1.83%
49242	Hillsdale	$1,122	56.1%	5.09%	0.78%
48849	Lake Odessa	$1,122	75.7%	5.21%	0.64%
48885	Sidney	$1,121	4.0%	2.69%	0.54%
48754	Owendale	$1,121	114.0%	13.39%	0.89%
48182	Temperance	$1,121	38.6%	3.14%	0.73%
49037	Battle Creek	$1,121	50.6%	5.26%	1.18%
48613	Bentley	$1,121	129.4%	4.37%	0.97%
48427	Deckerville	$1,121	35.6%	1.20%	1.20%
49622	Central Lake	$1,119	21.4%	4.10%	0.76%
48146	Lincoln Park	$1,118	36.0%	2.39%	1.99%
49412	Fremont	$1,118	95.2%	5.23%	0.78%
48879	Saint Johns	$1,118	27.6%	4.05%	0.66%
48747	Munger	$1,117	45.5%	4.48%	1.03%
48866	Ovid	$1,117	408.1%	31.94%	0.50%
49203	Jackson	$1,116	55.1%	4.75%	1.08%
48735	Gagetown	$1,116	13.5%	7.41%	N/A
49423	Holland	$1,116	53.0%	4.95%	0.44%
49706	Alanson	$1,116	34.4%	5.91%	0.78%
48867	Owosso	$1,116	39.6%	3.73%	0.99%
48073	Royal Oak	$1,115	45.7%	2.79%	1.88%
48917	Lansing	$1,115	31.1%	3.74%	0.61%
48815	Clarksville	$1,115	17.7%	2.90%	0.41%
48615	Breckenridge	$1,114	61.8%	3.16%	0.35%
48432	Filion	$1,114	48.2%	8.62%	N/A
48617	Clare	$1,111	19.5%	2.99%	0.22%
48657	Sanford	$1,111	48.9%	4.04%	0.53%
48101	Allen Park	$1,109	38.0%	3.26%	2.09%
49315	Byron Center	$1,109	87.5%	7.83%	0.54%
49058	Hastings	$1,109	86.2%	3.74%	0.48%
48733	Fairgrove	$1,108	32.7%	4.09%	2.60%
48865	Orleans	$1,105	123.6%	6.92%	0.31%
48618	Coleman	$1,105	16.2%	3.25%	0.99%
48884	Sheridan	$1,104	60.3%	3.87%	0.12%
49617	Beulah	$1,104	56.5%	4.32%	0.74%
49030	Burr Oak	$1,103	114.9%	12.53%	N/A
49424	Holland	$1,103	48.4%	5.04%	0.35%
48185	Westland	$1,102	41.8%	3.78%	1.80%
48883	Shepherd	$1,101	55.1%	4.71%	1.10%
48604	Saginaw	$1,100	36.3%	3.41%	1.21%
48829	Edmore	$1,100	22.5%	4.40%	0.35%
48731	Elkton	$1,100	16.8%	5.88%	0.49%
49713	Boyne Falls	$1,098	94.3%	4.62%	0.58%
49446	New Era	$1,097	30.2%	3.93%	0.22%
48809	Belding	$1,096	37.1%	4.35%	1.42%
49403	Conklin	$1,096	119.8%	4.87%	0.78%
48888	Stanton	$1,096	98.1%	4.78%	0.46%
48465	Palms	$1,095	4.7%	2.40%	0.60%
48891	Vestaburg	$1,094	19.4%	3.55%	1.42%
48721	Black River	$1,094	15.8%	4.24%	0.42%
49663	Manton	$1,093	66.0%	4.66%	0.33%
49333	Middleville	$1,092	62.0%	4.42%	0.39%
48143	Lakeland	$1,092	76.1%	6.90%	N/A
48770	Whittemore	$1,092	86.6%	6.96%	0.29%
48628	Hope	$1,092	35.3%	3.95%	0.86%
49450	Pullman	$1,091	23.5%	3.27%	0.44%
48720	Bay Port	$1,091	3.0%	2.91%	0.49%
48801	Alma	$1,090	42.8%	3.83%	0.70%
49614	Bear Lake	$1,089	18.7%	3.92%	0.29%
48195	Southgate	$1,087	34.6%	2.79%	1.68%
48135	Garden City	$1,087	39.3%	3.56%	1.27%
48842	Holt	$1,087	37.1%	3.45%	0.88%
49680	South Boardman	$1,087	23.9%	4.28%	0.45%
48192	Wyandotte	$1,087	40.6%	3.01%	1.55%
48180	Taylor	$1,085	57.1%	3.47%	1.45%
49319	Cedar Springs	$1,085	84.9%	4.16%	0.72%
48622	Farwell	$1,084	47.8%	5.12%	0.73%
49274	Reading	$1,084	62.3%	6.46%	1.21%
48471	Sandusky	$1,083	35.0%	4.30%	1.08%
48880	Saint Louis	$1,083	116.0%	6.53%	1.03%
49322	Coral	$1,083	18.6%	3.66%	1.47%
49769	Pellston	$1,082	53.7%	6.16%	N/A
48740	Harrisville	$1,082	22.8%	3.45%	1.07%
49795	Vanderbilt	$1,082	14.2%	3.26%	1.92%
49337	Newaygo	$1,081	46.7%	3.94%	0.50%
48060	Port Huron	$1,078	47.7%	3.64%	1.28%
48466	Peck	$1,078	10.9%	2.71%	N/A
48850	Lakeview	$1,077	16.1%	4.18%	0.92%
48873	Pewamo	$1,077	3.2%	1.27%	0.42%
48066	Roseville	$1,077	61.3%	3.56%	1.49%
48875	Portland	$1,076	246.4%	20.04%	1.03%
49503	Grand Rapids	$1,075	41.6%	3.85%	0.98%
49254	Michigan Center	$1,075	46.5%	2.76%	0.84%
49683	Thompsonville	$1,074	53.6%	3.01%	0.52%
49525	Grand Rapids	$1,074	45.0%	4.04%	0.69%
48157	Luna Pier	$1,073	11.0%	1.56%	2.34%
48766	Twining	$1,073	32.9%	7.80%	0.46%
48150	Livonia	$1,073	36.4%	2.90%	1.80%
49835	Garden	$1,072	30.1%	3.69%	0.92%
48911	Lansing	$1,071	39.2%	4.23%	0.81%
49512	Grand Rapids	$1,070	49.8%	5.70%	1.31%
48122	Melvindale	$1,070	45.4%	2.41%	1.74%
49431	Ludington	$1,069	46.1%	4.35%	0.52%
49638	Harrietta	$1,068	61.6%	1.74%	1.39%
49326	Gowen	$1,068	22.0%	4.32%	1.00%
48838	Greenville	$1,068	47.4%	3.75%	0.73%
48413	Bad Axe	$1,067	11.0%	2.77%	0.73%
49070	Martin	$1,066	65.0%	5.02%	0.21%
49344	Shelbyville	$1,066	37.1%	3.74%	0.69%
49338	Paris	$1,066	11.5%	3.52%	0.54%
49451	Ravenna	$1,066	38.2%	4.85%	1.17%
49419	Hamilton	$1,066	71.2%	6.29%	0.38%
49006	Kalamazoo	$1,065	33.4%	4.01%	1.11%
48624	Gladwin	$1,064	42.3%	3.73%	0.98%
49048	Kalamazoo	$1,062	43.6%	4.74%	1.15%
48092	Warren	$1,062	45.8%	2.96%	2.71%
49405	Custer	$1,062	44.1%	5.09%	0.76%
49657	Mc Bain	$1,061	26.1%	4.44%	0.63%
49618	Boon	$1,060	40.4%	6.35%	0.53%
48661	West Branch	$1,059	63.1%	4.61%	0.95%
49729	Ellsworth	$1,059	59.6%	3.42%	1.07%
49306	Belmont	$1,058	46.6%	5.19%	0.62%
48757	Reese	$1,057	20.6%	4.74%	0.59%
49655	Leroy	$1,056	86.2%	3.39%	0.97%
49766	Ossineke	$1,056	26.6%	4.11%	0.88%
48469	Port Sanilac	$1,054	38.2%	4.41%	1.15%
48133	Erie	$1,053	64.7%	4.25%	0.85%
49667	Merritt	$1,053	19.5%	1.91%	1.27%
48893	Weidman	$1,051	55.5%	4.51%	0.49%
49445	Muskegon	$1,051	45.2%	3.84%	0.41%
49650	Lake Ann	$1,050	35.6%	3.67%	0.52%
49721	Cheboygan	$1,049	59.6%	3.63%	0.55%
49625	Copemish	$1,048	36.4%	4.11%	N/A
49733	Frederic	$1,047	34.3%	2.95%	0.94%
49507	Grand Rapids	$1,047	46.7%	4.73%	1.28%
49452	Rothbury	$1,045	26.1%	3.53%	0.32%
49040	Colon	$1,045	92.7%	13.15%	0.21%
48818	Crystal	$1,045	118.0%	3.45%	1.36%
48082	Saint Clair Shores	$1,044	44.9%	3.04%	1.72%
48835	Fowler	$1,044	36.3%	2.53%	0.76%
48906	Lansing	$1,044	30.5%	3.78%	1.08%
49807	Bark River	$1,043	43.2%	3.77%	2.55%
49004	Kalamazoo	$1,043	39.6%	4.09%	0.66%
49801	Iron Mountain	$1,043	44.9%	3.71%	2.03%
48658	Standish	$1,043	117.4%	3.36%	0.87%
49342	Rodney	$1,041	17.9%	5.60%	1.27%
49677	Reed City	$1,041	71.4%	6.06%	0.98%
48441	Harbor Beach	$1,040	45.0%	5.11%	1.66%
49744	Herron	$1,040	26.1%	2.50%	1.00%
49435	Marne	$1,039	198.0%	4.88%	0.71%
48612	Beaverton	$1,039	45.0%	3.89%	0.99%
49261	Napoleon	$1,039	40.6%	10.00%	N/A
48456	Minden City	$1,039	34.1%	3.68%	0.74%
49307	Big Rapids	$1,037	29.6%	3.33%	0.49%
49417	Grand Haven	$1,036	38.4%	3.27%	0.39%
49202	Jackson	$1,036	61.8%	4.90%	1.28%
48749	Omer	$1,036	137.9%	9.75%	0.85%
49649	Kingsley	$1,034	70.9%	5.83%	0.97%
49349	White Cloud	$1,034	36.3%	3.47%	0.50%
49799	Wolverine	$1,033	201.7%	3.65%	0.95%
49411	Free Soil	$1,033	11.3%	3.37%	0.64%
48611	Auburn	$1,031	35.6%	4.43%	1.12%
49755	Levering	$1,031	68.4%	3.83%	0.15%
49885	Skandia	$1,030	32.7%	3.02%	1.51%
49001	Kalamazoo	$1,030	36.2%	3.92%	1.03%
48886	Six Lakes	$1,029	67.8%	4.84%	1.50%
49448	Nunica	$1,029	34.4%	3.65%	0.24%
48634	Linwood	$1,029	43.4%	5.98%	1.07%
49629	Elk Rapids	$1,028	121.3%	4.12%	0.39%
49774	Pickford	$1,028	20.3%	3.34%	1.04%
49916	Chassell	$1,028	16.4%	1.18%	2.16%
48125	Dearborn Heights	$1,028	44.1%	3.03%	1.88%
48876	Potterville	$1,027	55.4%	4.55%	0.93%
49002	Portage	$1,026	46.1%	4.89%	0.77%
49665	Marion	$1,025	49.8%	4.29%	0.22%
48650	Pinconning	$1,025	83.7%	6.01%	1.40%
49457	Twin Lake	$1,024	33.0%	3.48%	0.38%
48755	Pigeon	$1,024	57.2%	3.09%	0.62%
49855	Marquette	$1,024	19.3%	3.28%	1.38%
49783	Sault Sainte Marie	$1,024	71.4%	5.17%	1.24%
48631	Kawkawlin	$1,023	52.6%	7.71%	0.87%
49421	Hesperia	$1,023	55.6%	3.95%	0.35%
49791	Topinabee	$1,023	69.7%	8.82%	N/A
49639	Hersey	$1,023	37.5%	3.40%	0.97%
49601	Cadillac	$1,022	55.6%	6.49%	0.47%
49444	Muskegon	$1,019	46.2%	4.89%	0.83%
49404	Coopersville	$1,019	63.0%	6.73%	0.72%
48853	Maple Rapids	$1,018	5.2%	2.31%	N/A
49345	Sparta	$1,016	93.3%	4.35%	0.47%
49660	Manistee	$1,015	26.2%	4.08%	0.56%
49753	Lachine	$1,014	38.4%	5.30%	1.09%
48724	Carrollton	$1,014	21.7%	12.68%	N/A
49710	Barbeau	$1,013	21.1%	4.29%	N/A
49420	Hart	$1,013	47.5%	4.90%	0.93%
49348	Wayland	$1,013	42.7%	4.07%	0.31%
49346	Stanwood	$1,013	58.2%	3.71%	0.81%
48912	Lansing	$1,013	40.9%	3.52%	1.21%
49418	Grandville	$1,012	113.7%	6.51%	0.90%
49775	Pointe Aux Pins	$1,011	146.1%	2.62%	N/A
49459	Walkerville	$1,009	24.0%	3.23%	N/A
49668	Mesick	$1,009	40.3%	4.48%	0.33%
49962	Skanee	$1,008	28.6%	8.16%	3.06%
49806	Au Train	$1,008	15.5%	2.79%	0.25%
49426	Hudsonville	$1,007	78.0%	6.62%	0.77%
49508	Grand Rapids	$1,004	52.8%	4.87%	0.83%
49637	Grawn	$1,002	30.4%	3.82%	0.67%
48708	Bay City	$1,001	27.8%	3.59%	1.24%
49659	Mancelona	$1,000	40.7%	3.95%	0.85%
49645	Kaleva	$1,000	124.3%	4.57%	N/A
49620	Buckley	$1,000	51.1%	5.73%	0.17%
49441	Muskegon	$999	43.5%	4.36%	0.69%
49616	Benzonia	$998	55.7%	6.74%	0.37%
49866	Negaunee	$998	18.2%	3.38%	1.95%
49631	Evart	$997	45.3%	5.49%	0.69%
48610	Alger	$996	94.0%	4.07%	1.14%
48745	Mikado	$995	24.8%	4.79%	2.02%
48017	Clawson	$994	25.5%	2.75%	1.64%
49747	Hubbard Lake	$993	31.6%	3.95%	0.44%
49436	Mears	$993	11.0%	2.55%	0.27%
49950	Mohawk	$992	24.5%	2.64%	1.22%
49738	Grayling	$992	18.3%	3.35%	0.49%
49893	Wallace	$992	25.4%	3.54%	1.55%
48756	Prescott	$991	31.5%	4.79%	1.20%
48732	Essexville	$991	52.5%	3.63%	0.62%
49762	Naubinway	$990	51.8%	2.48%	0.62%
49611	Alba	$990	N/A	N/A	N/A
49442	Muskegon	$989	34.3%	4.43%	0.98%
49874	Powers	$989	98.3%	4.20%	0.84%
48619	Comins	$988	16.6%	3.53%	1.57%
49896	Wilson	$988	28.3%	5.06%	1.27%
48450	Lexington	$986	34.3%	2.19%	1.50%
49415	Fruitport	$986	55.7%	4.54%	0.78%
49623	Chase	$983	112.3%	8.33%	1.33%
49746	Hillman	$983	27.4%	4.03%	0.58%
49751	Johannesburg	$983	21.2%	1.76%	0.77%
49651	Lake City	$982	56.8%	5.41%	0.82%
49752	Kinross	$981	185.6%	0.99%	N/A
49765	Onaway	$980	51.1%	3.29%	1.57%
49958	Pelkie	$979	122.3%	4.84%	1.08%
49745	Hessel	$977	8.8%	1.29%	0.22%
49640	Honor	$975	15.7%	3.73%	0.75%
49679	Sears	$973	28.7%	5.14%	1.29%
49323	Dorr	$972	22.3%	2.51%	0.59%
49464	Zeeland	$972	102.2%	6.52%	0.49%
48467	Port Austin	$970	75.0%	4.16%	0.73%
49402	Branch	$969	81.7%	6.07%	0.71%
48894	Westphalia	$969	85.2%	3.00%	0.46%
48763	Tawas City	$967	23.9%	3.16%	0.52%
49931	Houghton	$966	18.6%	2.46%	0.62%
48706	Bay City	$965	49.2%	5.55%	0.92%
48635	Lupton	$965	25.9%	2.78%	1.34%
49504	Grand Rapids	$965	40.5%	4.79%	0.85%
49814	Champion	$964	25.0%	3.40%	1.70%
49646	Kalkaska	$962	53.9%	3.21%	0.94%
49701	Mackinaw City	$962	9.4%	2.57%	0.51%
49725	De Tour Village	$962	3.8%	0.84%	0.28%
48632	Lake	$962	24.1%	2.46%	0.91%
49632	Falmouth	$959	8.7%	2.68%	N/A
49534	Grand Rapids	$959	68.9%	4.38%	0.59%
49642	Idlewild	$959	238.6%	19.46%	1.89%
49887	Stephenson	$956	11.7%	4.46%	0.97%
49862	Munising	$956	18.0%	3.00%	1.31%
49905	Atlantic Mine	$955	84.6%	2.90%	1.94%
48910	Lansing	$955	21.7%	3.11%	0.92%
49827	Engadine	$955	5.6%	1.41%	2.35%
49836	Germfask	$954	120.9%	3.57%	0.89%
49821	Daggett	$954	29.7%	6.01%	0.27%
49911	Bessemer	$954	125.1%	2.21%	0.55%
49935	Iron River	$953	45.0%	4.91%	0.46%
49309	Bitely	$953	49.3%	3.11%	0.46%
48621	Fairview	$953	26.8%	3.07%	0.28%
49822	Deerton	$953	7.7%	3.88%	0.97%
49544	Grand Rapids	$952	24.0%	2.77%	0.62%
49913	Calumet	$952	33.9%	2.12%	0.89%
49656	Luther	$950	33.8%	1.82%	0.33%
48739	Hale	$950	23.2%	3.78%	1.49%
49930	Hancock	$949	30.9%	1.84%	2.05%
49619	Brethren	$949	98.0%	6.79%	0.52%
49840	Gulliver	$949	7.7%	1.90%	1.27%
49780	Rudyard	$948	15.4%	2.80%	0.70%
49938	Ironwood	$948	28.7%	3.89%	1.52%
48654	Rose City	$946	59.1%	2.22%	0.74%
49817	Cooks	$943	11.3%	4.05%	N/A
49321	Comstock Park	$943	98.9%	6.84%	0.56%
49756	Lewiston	$942	36.6%	3.65%	0.98%
49760	Moran	$941	17.2%	2.51%	0.84%
48625	Harrison	$941	50.2%	3.88%	1.12%
49892	Vulcan	$940	34.5%	4.75%	1.05%
49781	Saint Ignace	$938	21.9%	2.43%	0.20%
49858	Menominee	$938	36.0%	3.43%	0.94%
49870	Norway	$938	35.0%	4.62%	1.71%
49305	Barryton	$937	60.5%	3.17%	0.76%
49881	Sagola	$936	N/A	N/A	1.63%
49908	Baraga	$936	107.4%	8.47%	1.27%
48071	Madison Heights	$936	48.1%	2.66%	1.63%
49759	Millersburg	$935	61.2%	4.64%	0.84%
48742	Lincoln	$935	110.4%	4.89%	1.85%
48759	Sebewaing	$935	101.4%	8.26%	0.99%
49812	Carney	$932	141.8%	7.99%	2.08%
48653	Roscommon	$932	38.8%	3.75%	0.85%
49829	Escanaba	$931	25.2%	3.83%	1.94%
49401	Allendale	$930	55.8%	4.65%	0.56%
49633	Fife Lake	$929	41.5%	4.47%	0.39%
49946	Lanse	$928	119.3%	15.07%	1.76%
49715	Brimley	$928	32.8%	4.14%	0.95%
49626	Eastlake	$927	7.1%	1.25%	1.25%
49643	Interlochen	$927	40.3%	4.23%	0.68%
49707	Alpena	$927	41.6%	3.46%	0.84%
48762	Spruce	$923	21.8%	4.48%	1.12%
49910	Bergland	$923	38.8%	3.57%	0.51%
49879	Republic	$920	88.8%	2.58%	1.08%
49428	Jenison	$919	40.5%	4.19%	0.58%
49878	Rapid River	$918	32.6%	2.68%	1.45%
49736	Goetzville	$917	10.1%	2.43%	0.81%
48705	Barton City	$915	30.8%	6.63%	0.90%
49847	Hermansville	$914	37.0%	6.96%	0.87%
49505	Grand Rapids	$914	62.3%	3.81%	1.07%
49837	Gladstone	$912	20.3%	4.16%	1.67%
49519	Wyoming	$911	45.3%	5.22%	1.04%
49945	Lake Linden	$910	5.1%	1.20%	2.23%
49838	Gould City	$909	46.3%	2.63%	0.44%
49776	Posen	$909	298.3%	19.67%	1.42%
49853	Mc Millan	$907	15.3%	2.37%	1.36%
48647	Mio	$907	39.1%	2.76%	1.09%
48725	Caseville	$905	27.3%	2.51%	0.86%
49841	Gwinn	$903	25.6%	4.77%	1.34%
48730	East Tawas	$903	46.9%	4.00%	0.68%
48738	Greenbush	$903	58.9%	7.74%	1.33%
48748	National City	$902	71.0%	4.20%	0.81%
49777	Presque Isle	$901	865.8%	60.51%	1.52%
49884	Shingleton	$900	153.0%	5.46%	N/A
49410	Fountain	$900	66.5%	4.06%	0.42%
49831	Felch	$900	8.0%	1.00%	1.67%
49718	Carp Lake	$899	10.3%	3.82%	0.59%
49815	Channing	$899	4.4%	2.23%	2.23%
49816	Chatham	$898	0.6%	1.39%	N/A
49743	Hawks	$897	618.5%	42.77%	0.59%
49854	Manistique	$895	25.9%	3.28%	0.85%
48761	South Branch	$895	31.6%	3.85%	0.77%
49332	Mecosta	$895	34.4%	3.92%	0.77%
48703	Au Gres	$894	90.3%	3.58%	0.63%
49628	Elberta	$893	31.2%	8.11%	N/A
49820	Curtis	$890	81.8%	3.27%	0.36%
49920	Crystal Falls	$889	31.2%	4.63%	0.74%
49967	Trout Creek	$889	3.2%	2.94%	1.18%
49818	Cornell	$888	10.9%	1.55%	0.52%
49861	Michigamme	$888	27.9%	2.62%	0.24%
48468	Port Hope	$887	100.9%	4.77%	0.91%
49868	Newberry	$886	20.2%	2.24%	0.71%
48750	Oscoda	$881	36.0%	4.33%	0.68%
49880	Rock	$879	42.7%	3.12%	0.85%
48728	Curran	$879	9.9%	1.45%	0.58%
49876	Quinnesec	$878	25.4%	4.13%	3.31%
49895	Wetmore	$875	167.9%	2.15%	0.86%
49509	Wyoming	$873	35.9%	3.26%	1.22%
49779	Rogers City	$873	30.8%	3.22%	0.48%
48737	Glennie	$873	15.6%	3.74%	0.97%
49849	Ishpeming	$872	49.5%	3.49%	1.39%
49912	Bruce Crossing	$871	13.3%	3.68%	N/A
48636	Luzerne	$871	3.7%	1.68%	0.42%
49793	Trout Lake	$871	82.2%	2.34%	1.40%
49922	Dollar Bay	$869	0.7%	0.84%	1.68%
49689	Wellston	$867	22.8%	2.87%	0.39%
49728	Eckerman	$865	48.7%	6.23%	0.35%
49548	Grand Rapids	$864	56.5%	3.64%	0.99%
48434	Forestville	$862	28.1%	3.85%	N/A
49953	Ontonagon	$859	17.3%	2.42%	0.44%
49709	Atlanta	$857	23.8%	2.66%	1.21%
49328	Hopkins	$855	44.4%	5.34%	0.35%
49915	Caspian	$854	8.3%	4.41%	0.74%
49968	Wakefield	$852	22.5%	4.69%	0.23%
49644	Irons	$847	55.0%	3.36%	0.19%
49304	Baldwin	$845	450.4%	33.48%	0.70%
48651	Prudenville	$845	36.7%	3.22%	0.86%
49748	Hulbert	$840	0.4%	0.96%	N/A
48629	Houghton Lake	$837	90.9%	5.20%	0.70%
48633	Lake George	$831	39.6%	4.32%	1.85%
49802	Kingsford	$831	45.1%	2.55%	1.84%
49768	Paradise	$829	12.9%	1.50%	0.75%
49965	Toivola	$829	4.7%	1.95%	0.65%
49886	Spalding	$820	4.0%	1.77%	1.77%
49894	Wells	$815	18.3%	6.18%	0.56%
49839	Grand Marais	$802	3.7%	0.49%	0.99%
49320	Chippewa Lake	$799	54.0%	0.54%	N/A
48656	Saint Helen	$790	69.3%	3.98%	0.74%
48627	Higgins Lake	$766	18.2%	2.62%	1.12%
48630	Houghton Lake Heights	$669	11.7%	2.11%	N/A

Michigan Insurance Guides

Why Is Homeowners Insurance So Expensive?

Key factors driving premium increases nationwide

The Insurance Nonrenewal Crisis

Why insurers are dropping policyholders and what it means

Understanding Loss Ratios

What loss ratios reveal about your state's insurance market

Insurance Costs by State

How Michigan compares to other states

Explore More Insurance Data

Premium Rankings

Most & least expensive ZIPs and states nationwide

Dental Insurance in Michigan

DHMO vs DPPO premiums (NADP 2024)

Compare All States

Average premiums and nonrenewals across the U.S.

Natural-hazard context (FEMA NRI)

County National Risk Index scores joined to Michigan ZIP codes in the same FIO filing year. This is hazard and vulnerability context from FEMA, not a premium driver table and not a quote.

Mean county risk score

65.7

31st of 50 states by mean score · national mean 69.3

Counties joined

Distinct county FIPS on Michigan FIO ZIPs

Most common top hazard

Cold Wave

44 of 83 counties

Highest FEMA NRI counties in Michigan
County	Risk score	Rating	Top hazard
Wayne	99.0	Relatively High	Cold Wave
Oakland	97.5	Relatively High	Tornado
Macomb	96.7	Relatively High	Tornado

Counties with elevated FEMA hazard ratings in Michigan
Hazard	Elevated counties	Share of joined
Winter weather	28	34%
Tornado	11	13%
Flooding	4	5%
Hail	3	4%

Elevated = FEMA Relatively High or Very High rating on that hazard column. Ratings are independent per hazard; a county can appear in more than one row.

Source: FEMA National Risk Index · research board: top counties by NRI score.

Nationwide states with similar insurance profiles

Two FIO peer sets for Michigan: nearest other states by average homeowners premium and by statewide nonrenewal rate. These are cross-state neighborhoods, not the in-state ZIP table above.

Similar average premium

Nearest states by average homeowners premium ($1,233/yr here).

Arizona $1,226/yr Wisconsin $1,224/yr Delaware $1,252/yr Nevada $1,253/yr

Similar nonrenewal rate

Nearest states by average nonrenewal rate (1.11% here).

Utah 1.11% Rhode Island 1.16% Illinois 1.03% Ohio 1.19%

Frequently Asked Questions

What is the average homeowners insurance cost in Michigan? ▼

Averaged across the 911 Michigan ZIP codes in the U.S. Treasury FIO data, the annual homeowners premium is $1,233 ($1,506 when each ZIP is weighted by population, which is closer to what a typical homeowner pays). This is 31% below the national average of $1,776.

How have insurance premiums changed in Michigan? ▼

Michigan homeowners insurance premiums changed by -0.4% between 2018 and 2022. The average loss ratio is 56.7%, meaning insurers pay out that percentage of earned premiums in claims.

Which ZIP code has the most expensive insurance in Michigan? ▼

The most expensive ZIP code for homeowners insurance in Michigan is 48202, with an average premium of $3,465/yr. The most affordable is 48630 at $669/yr.

What is the nonrenewal rate for Michigan homeowners insurance? ▼

Averaged across the Michigan ZIP codes that report one, the nonrenewal rate is 1.11%. This rate has changed by -67.4% from 2018 to 2022. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 48128 has the highest nonrenewal rate in the state at 3.87%.

What is a loss ratio and what does Michigan's mean? ▼

A loss ratio measures how much an insurer pays out in claims compared to premiums collected. Michigan's average loss ratio is 56.7%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.

How often do homeowners file insurance claims in Michigan? ▼

The average claim frequency in Michigan is 4.75%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $15,113. Higher claim frequency and severity typically correlate with higher premiums.

What natural hazards drive risk in Michigan? ▼

Across 83 FEMA National Risk Index counties that join to Michigan ZIP codes in the FIO file, the mean county risk score is 65.7 (5% below the 50-state mean of 69.3). The most common county-level top hazard is Cold Wave (44 of 83 counties). Elevated (Relatively High or Very High) county ratings concentrate in Winter weather (28), Tornado (11), Flooding (4). NRI scores are county hazard/vulnerability context from FEMA; they are not premiums and are not a quote.

Michigan in the FIO registry

State averages sit next to ZIP-level premium and nonrenewal extracts from the same filing year.

Michigan ZIP premiums and nonrenewal rates in the same table. ZIP table
National premium board versus the population-floored nonrenewal board. Rankings
How competition ranks and dual boards are derived. Methodology

State figures are five-year ZIP-level averages from U.S. Treasury FIO data, a benchmark, not a quote for any individual home.

Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs

Browse all ZIPs → | Rankings → | All states →

Compiled by PlainInsure, Insurance Transparency Editorial Process · May 15, 2026

Source data: U.S. Treasury FIO · FEMA National Risk Index · NOAA Storm Events. See our methodology.

Every figure on PlainInsure is rendered directly from U.S. Treasury Federal Insurance Office data, no number is typed in by an editor. This state's figures are rendered directly from U.S. Treasury FIO data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.

Michigan Homeowners Insurance

How Michigan Compares

Data Snapshot: Michigan Homeowners Insurance

Loss Ratio Reading: Michigan

Premium Trends (2018-2022)

Average premium in Michigan, 2018–2022

Most Expensive ZIP Codes in Michigan

Most Affordable ZIP Codes in Michigan

All ZIP Codes in Michigan

Michigan Insurance Guides

Explore More Insurance Data

Natural-hazard context (FEMA NRI)

Nationwide states with similar insurance profiles

Similar average premium

Similar nonrenewal rate

Frequently Asked Questions

Related