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Home insurance & flood costs in ZIP 48157 (Luna Pier, MI)

Plain facts for homeowners in Luna Pier: 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 48157 at a glance

Four numbers most homeowners ask about first.

$1,073
Avg. home premium

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

$1,475
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

2.34%
Nonrenewal rate

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

1.6%
Claim frequency

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

ZIP 48157 in numbers
$7,554
average paid claim (2022)
+1%
premium change 2018–2022, after inflation
0.78%
cancelled by insurers mid-term (2022)
130
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 48157 was $1,073 in 2022, 12% below the Monroe County typical ZIP ($1,214) and 31% below the typical U.S. ZIP code ($1,551). After adjusting for inflation, it held roughly steady between 2018 and 2022. About 1.6% of policies here had a paid claim in 2022, and insurers chose not to renew 2.34% of policies.

Monroe County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 48157MonroeU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 48157 in 2025 cost $1,475, based on 130 policies, compared with $1,229 in 2022. About 96% 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

130 policies
A zones 96%X/B/C zones 4%V zones 0%

Claims & hazards

Treasury FIO claim frequency; FEMA National Risk Index for Monroe County

The chart shows the share of homeowners policies in ZIP 48157 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Monroe 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

  • Strong wind94 · Relatively High
  • Tornado89 · Relatively Moderate
  • Inland flooding87 · Relatively Moderate
  • Ice storm85 · Relatively High
  • Cold wave84 · Relatively Moderate

Other ZIP codes in Monroe County

Average premium per policy in 2022 (Treasury FIO).

48117 Carleton · $1,26048131 Dundee · $1,20648144 Lambertville · $1,14448160 Milan · $1,28048161 Monroe · $1,18148162 Monroe · $1,13748166 Newport · $1,18448182 Temperance · $1,12149270 Petersburg · $1,280

Practical next steps

Simple things homeowners in ZIP 48157 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.
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.
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.
Have a shelter plan. Know where your safe room or interior shelter is, and keep an up-to-date photo or video inventory of your belongings to make any claim simpler.

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.