Lake Michigan harbor town
Spray Foam Insulation in Saugatuck, MI
Saugatuck's year-round population roughly triples in summer, and many homes are cottages.
- Free on-site estimates
- Written quote listing material, thickness and R-value for each area
- Old wiring, moisture and rim joists checked before we price

Insulating Saugatuck Cottages and Homes
Spray Foam Insulation in Saugatuck is often about cottages and second homes. Wikipedia notes only about 1,000 people live here year-round, swelling to nearly 3,000 in summer. Point2Homes counts 417 occupied units out of 910, a sign of how many homes are seasonal. About 30.2% of homes were built in 1939 or earlier.
Harbor town history
Saugatuck was incorporated as a village in 1868, taking a Native American name meaning river mouth, and later became a city. Its harbor, Oval Beach, Mount Baldhead and the hand-cranked chain ferry draw summer visitors.
Cottages built for summer
Many cottages sit on piers or shallow crawl spaces and were never meant for cold weather. To use them in the shoulder season or year-round, the floor or crawl space, the attic and the walls all need attention. Closed-cell foam under the floor and on rim joists is often the starting point.
Lake wind
Homes near Lake Michigan face open wind off the water. Air sealing matters as much as insulation in those exposed houses.
Working on seasonal homes
Owners who live elsewhere most of the year often want work done in the off-season. We can arrange access, send photos of what we find and do the work without you on site. Cottages that sit empty all winter also tend to collect mice in the insulation; we check for that and remove damaged material before reinsulating.
Code and climate on the lakeshore
Saugatuck is in Allegan County's Climate Zone 5A, where Michigan's code lists R-38 for ceilings and the DOE recommends R-49 to R-60 for existing attics. Lakeshore houses also take more lake-effect snow and wind than inland towns, so air sealing the attic and rim joist matters as much as adding depth. For cottages that are drained and closed each winter, insulating the floor and protecting the plumbing may make more sense than insulating the crawl space walls.
Call (269) 397-4757 or get a free estimate for a visit and written price.
Saugatuck Facts
- Seasonal homes. About 1,000 year-round residents, swelling to nearly 3,000 in summer (Wikipedia).
- Occupancy. Point2Homes counts 417 occupied housing units out of 910.
- Old housing. 30.2% of Saugatuck homes were built in 1939 or earlier (Point2Homes, census ACS).
- Village since 1868. Saugatuck was incorporated as a village in 1868 (Wikipedia).

Saugatuck Questions
Can I make my cottage usable in winter?
Usually, by insulating the floor or crawl space, the attic and the walls, and protecting the plumbing.
Can you work while I'm away?
Yes, with access arranged ahead of time.
Can you check for mice in my cottage insulation?
Yes, and remove damaged material before reinsulating.
Should I insulate my cottage floor or crawl space?
If the cottage is closed each winter, often the floor; if heated year-round, the crawl space walls.
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