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With 4,067 homes and around 6,271 residents, Luce County is 899 square miles of Michigan's Upper Peninsula. Newberry is the county seat. The county's median home was built in 1976.
The three factors where Luce County ranks highest compared with other Michigan counties.
Weather
Luce is on the colder side of Michigan for pipes. From 2015–2024 it averaged 90 nights a year at 20°F or colder, the range where pipes in exterior walls, crawl spaces and unheated garages freeze, and 179 nights at or below 32°F. That ranks 9th of 83 counties.
Cold snaps are the real risk. The worst in the record lasted 68 days below freezing (ending March 2015), and the low bottomed out near -27°F on February 20, 2015.
The freeze season here runs November to April, with January the coldest. If you travel then, leave the thermostat at 55°F or above and open sink cabinets on outside walls.
On average the first fall freeze arrives around Oct 9 and the last spring freeze around May 18.
Luce gets fewer downpours than most Michigan counties, but they still fill basements. The county gets about 35.9 inches of rain and melted snow a year, with 3.1 days of an inch or more (67th of 83). Those downpours cluster in June, July and October, when sump pumps and gutters are tested hardest. The wettest day on record brought 2.34 inches on June 23, 2024. Multi-day storms matter most for basements; the wettest three days on record here totaled 3.71 inches (through October 11, 2018).
Freeze-thaw days, below freezing overnight and above it by afternoon, come about 96 times a year here. They're the main driver of ice dams and of water working its way through foundation cracks in late winter.
Freezing nights per month, 2015–2024 average
Days with 1 inch or more of rain per month, 2015–2024 average
Housing
What Luce County's homes are made of
Roughly 57% of the county's housing was built before 1980. That puts Luce near the middle of Michigan's 83 counties.
The mix runs from 26% built before 1960 to 16% built since 2000, so older neighborhoods bring aging pipe while newer subdivisions bring failed appliance lines and water heaters.
About 27% of homes went up between 1980 and 1999. Some houses from the late 1970s to the mid-1990s were plumbed with polybutylene, a gray plastic pipe known for failing at fittings. A plumber can tell you in a few minutes whether you have it.
Here 10% of housing is manufactured homes. Check the skirting and the heat tape on the main water line every fall, because that one exposed line is what freezes.
The Census counted 40% of homes as vacant, above the Michigan county median of 19.5%. Empty houses are where a small leak turns into a large claim, because nobody is there to hear it.
Homes by year built
Before 194014%
1940–195913%
1960–197930%
1980–199927%
2000 or later16%
Owner-occupied
83%
Michigan median 82%
Single-family
86%
of all homes
Median home value
$112k
Michigan median $178k
Beyond water
Mold and fire damage in Luce County
Mold
Luce County averages 2 warm, muggy nights a year (lows of 65°F or more) and gets the most rain in October. Mold grows when indoor humidity stays above about 60%, the EPA's ceiling. A basement dehumidifier set to 50% and drying anything wet within 24 to 48 hours prevents most problems.
Heating fuel matters for fire risk. In Luce County it's 42% utility gas, 11% electric, 32% propane and 11% wood. Wood and propane heat are more common here than the state median. Have chimneys swept and fuel-burning appliances serviced each fall, and keep three feet clear around stoves and space heaters.
Rank 1 is the highest value. Bars run from the lowest to the highest Michigan county; the tick marks the median; orange means higher water damage risk than the median, green means lower.
Questions
Luce County water damage FAQ
Which towns in Luce County does this cover?
Calls are routed to restoration companies that serve all of Luce County, including Newberry, plus the townships and rural areas around them. If the first company can't reach you quickly, ask to be connected with another.
How often do pipes freeze in Luce County?
From 2015–2024 the county averaged 90 nights a year at 20°F or colder, mostly November to April. Pipes in exterior walls, crawl spaces, garages and mobile home underbellies freeze first.
What causes the most water damage in Luce County?
Based on the county's housing and weather data, the biggest local factors are frozen pipes, leaks in empty homes and wood and propane heat. Appliance supply lines and water heaters cause leaks everywhere.
Will my insurance cover water damage in Luce County?
A burst pipe or a failed water heater is usually covered. Rain-driven basement water usually isn't, unless you added water backup coverage, and floodwater needs a flood policy. June, July and October are when Luce County gets the most heavy rain.
How fast does mold start in a Luce County home?
The EPA advises drying wet materials within 24 to 48 hours. In October, the county's wettest month, and on the 2 muggy summer nights a year when lows stay at 65°F or above, basements dry slowly on their own, so start fans and dehumidifiers the same day.
Water won't wait. Neither should you.
Peak risk months in Luce County: freezing from November to April, heavy rain in June, July and October.
Sources: U.S. Census Bureau, ACS 2024 5-year estimates (2020-2024); weather from NOAA nClimGrid-Daily county averages (EpiNOAA), 2015–2024, averaged across the county; county boundaries from Census TIGER. Reviewed 2026-10-21. Methodology