Homeowners Insurance in Detroit, MI

For a home at Detroit's median value of $83,900, we estimate about $500 a year — −55% 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 Detroit

Est. premium

$500

$42/mo · median home

Median home value

$83,900

Michigan: $231,600

Median year built

1947

Census ACS

Owner-occupied

50.3%

of households

Hazard score

79.5

state ref. 76.9

Detroit's estimate reflects its home values (64% lower than the state median) and FEMA's hazard profile for Wayne County. Many homes here are older, so roof age, wiring and plumbing updates can matter a lot at underwriting.

Natural hazard risk in Detroit

FEMA National Risk Index — Wayne County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively Low	46.5	Comprehensive (car); roof claims (home)
Tornado	Very High	99.5	Comprehensive; dwelling
Hurricane	Very Low	57.8	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Very High	99.4	Comprehensive; home needs a separate flood policy
Coastal flooding	Relatively Low	49.6	Comprehensive; home needs a separate flood policy
Strong wind	Very High	99.7	Comprehensive; dwelling
Winter weather	Relatively High	94.8	Collision (icy roads); frozen pipes (home)
Wildfire	Very Low	54.4	Comprehensive; dwelling
Earthquake	Relatively Moderate	94.7	Home needs a separate earthquake policy
Lightning	Very High	98.3	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 Detroit

Dwelling value	Wood frame	Brick / masonry
$200,000	$1,000	$920
$300,000	$1,385	$1,275
$500,000	$2,085	$1,920
$750,000	$2,885	$2,655

Home Insurance Estimator

Estimated annual premium

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Per month

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Homeowners insurance by ZIP code in Detroit

ZIP	Median home value	Owner-occupied	Est. premium
48228	$59,500	49.3%	$380
48219	$99,200	54.9%	$570
48235	$90,000	53.5%	$530
48212	$109,200	61.7%	$620
48221	$154,600	66.0%	$815
48227	$75,100	59.1%	$460
48224	$88,700	55.9%	$525
48205	$65,300	50.6%	$410
48234	$61,200	53.0%	$390
48209	$89,000	61.2%	$525
48210	$67,800	58.2%	$420
48238	$64,800	47.0%	$405
48223	$99,500	56.2%	$575
48207	$211,600	25.8%	$1,050
48204	$59,200	55.0%	$380
48213	$56,200	58.4%	$365
48203	$76,200	51.3%	$465
48214	$147,300	41.0%	$785
48202	$186,500	30.9%	$950
48206	$116,300	53.6%	$650
48201	$412,600	11.0%	$1,790
48215	$111,000	51.2%	$625
48208	$176,400	34.3%	$905
48226	$324,500	6.3%	$1,475
48217	$65,500	63.3%	$410
48216	$242,600	35.4%	$1,170
48211	$78,900	50.9%	$475

Homeowners insurance in Michigan · Car insurance in Detroit · Insurance offices near Detroit

Frequently asked questions

How much is homeowners insurance in Detroit?

For a home at Detroit's median value of $83,900, we estimate about $500 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 Detroit?

FEMA's National Risk Index rates Wayne County relatively high or very high for tornado, inland (river) flooding, strong wind, winter weather, and lightning.

Does the age of homes in Detroit affect insurance?

Yes. The median home in Detroit was built in 1947 (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 Wayne County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page