Homeowners Insurance in Ann Arbor, MI

For a home at Ann Arbor's median value of $453,400, we estimate about $1,910 a year — +72% versus the Michigan NAIC average of $1,110.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Ann Arbor

Est. premium

$1,910

$159/mo · median home

Median home value

$453,400

Michigan: $231,600

Median year built

1971

Census ACS

Owner-occupied

45.5%

of households

Hazard score

77.7

state ref. 76.9

Ann Arbor's estimate reflects its home values (96% higher than the state median) and FEMA's hazard profile for Washtenaw County.

Natural hazard risk in Ann Arbor

FEMA National Risk Index — Washtenaw County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively Moderate	85.9	Comprehensive (car); roof claims (home)
Tornado	Relatively High	96.9	Comprehensive; dwelling
Hurricane	Very Low	48.3	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively Moderate	90.3	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Relatively High	98.0	Comprehensive; dwelling
Winter weather	Relatively Moderate	73.0	Collision (icy roads); frozen pipes (home)
Wildfire	Very Low	43.8	Comprehensive; dwelling
Earthquake	Relatively Low	74.3	Home needs a separate earthquake policy
Lightning	Relatively High	88.8	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Ann Arbor

Dwelling value	Wood frame	Brick / masonry
$200,000	$990	$915
$300,000	$1,370	$1,260
$500,000	$2,065	$1,900
$750,000	$2,855	$2,625

Home Insurance Estimator

Estimated annual premium

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Per month

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Homeowners insurance by ZIP code in Ann Arbor

ZIP	Median home value	Owner-occupied	Est. premium
48103	$471,700	66.5%	$1,970
48104	$491,200	36.9%	$2,035
48105	$503,100	50.1%	$2,075
48108	$406,700	55.4%	$1,750

Homeowners insurance in Michigan · Car insurance in Ann Arbor · Insurance offices near Ann Arbor

Frequently asked questions

How much is homeowners insurance in Ann Arbor?

For a home at Ann Arbor's median value of $453,400, we estimate about $1,910 a year for a standard HO-3 policy with a $1,000 deductible. The Michigan NAIC average is $1,110.

What are the biggest natural hazards in Ann Arbor?

FEMA's National Risk Index rates Washtenaw County relatively high or very high for tornado, strong wind, and lightning.

Does the age of homes in Ann Arbor affect insurance?

Yes. The median home in Ann Arbor was built in 1971 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for Michigan, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Washtenaw County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page