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Home insurance & flood costs in ZIP 48059 (Fort Gratiot, MI)

Plain facts for homeowners in Fort Gratiot: what insurance cost here in recent years, how often claims were paid, and what flood coverage runs.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 48059 at a glance

Four numbers most homeowners ask about first.

$1,212
Avg. home premium

Per policy in 2022 (inflation-adjusted), HO-3/HO-5 policies.

$819
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

1.76%
Nonrenewal rate

Share of policies not renewed by insurers in 2022. Typical U.S. ZIP: 0.81%.

4.3%
Claim frequency

Share of policies with a paid claim in 2022. Typical U.S. ZIP: 4.0%.

ZIP 48059 in numbers
$14,481
average paid claim (2022)
+1%
premium change 2018–2022, after inflation
1.16%
cancelled by insurers mid-term (2022)
56
single-family NFIP policies (2025)

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The average premium per policy in ZIP 48059 was $1,212 in 2022, 10% below the St. Clair County typical ZIP ($1,351) and 22% below the typical U.S. ZIP code ($1,551). After adjusting for inflation, it held roughly steady between 2018 and 2022. About 4.3% of policies here had a paid claim in 2022, and insurers chose not to renew 1.76% of policies.

St. Clair County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 48059St. ClairU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 48059 in 2025 cost $819, based on 56 policies, compared with $805 in 2022. About 79% of them are for homes in high-risk A or V zones.

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

56 policies
A zones 79%X/B/C zones 21%V zones 0%

Claims & hazards

Treasury FIO claim frequency; FEMA National Risk Index for St. Clair County

The chart shows the share of homeowners policies in ZIP 48059 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for St. Clair County are listed below the chart, as national percentiles (100 = highest).

All county hazards

Policies with a paid claim

Share of policies, by year

Top county hazards

  • Cold wave93 · Relatively High
  • Tornado87 · Relatively Moderate
  • Ice storm86 · Relatively High
  • Inland flooding86 · Relatively Moderate
  • Strong wind86 · Relatively High

Other ZIP codes in St. Clair County

Average premium per policy in 2022 (Treasury FIO).

48001 Algonac · $1,18248023 Fair Haven · $1,35148028 Harsens Island · $1,49048039 Marine City · $1,29048040 Marysville · $1,13348054 East China · $1,36248060 Port Huron · $1,07848074 Smiths Creek · $1,19048079 Saint Clair · $1,352

Practical next steps

Simple things homeowners in ZIP 48059 can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Ask about wind mitigation credits. Features like hurricane straps, a newer roof and impact-rated windows or shutters can lower premiums. Ask your insurer which upgrades earn a discount and what paperwork it needs.
Prepare for freezing weather. Burst pipes are a common winter claim. Insulating exposed pipes, keeping heat on while away and knowing where your main water shut-off is all help.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.