Home Insurance in Adams County, North Dakota
Homes in Adams County carry a median value of $113,200 - 55% lower than the North Dakota median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Adams County was built around 1964. About 43% of homes were built before 1960, about 20 points above North Dakota's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Adams County is 79% single-family homes, 13% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
About 32% of owner-occupied homes in Adams County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Adams County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Adams County, 33% of homes are primarily heated with electricity.
FEMA's National Risk Index lists hail (Relatively Moderate), winter weather (Relatively Moderate) and wildfire (Very Low) as the leading hazards for Adams County.
Adams County has no active NFIP flood policies on file. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in North Dakota carries a statewide average premium of $1,414 per year.
Key figures
| Median home value | $113,200 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Winter Weather (Relatively Moderate), Wildfire (Very Low) |
| Home insurance premium | $1,414 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)