Home Insurance in Bucyrus, North Dakota
The median home value in Bucyrus is $162,500, 44% higher than the Adams County median.
The typical home in Bucyrus was built around 1972. About 40% of homes were built before 1960, about 3 points below Adams County's 43%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Bucyrus, the housing stock is 100% single-family homes.
18% of owner-occupied homes in Bucyrus carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
All occupied homes in Bucyrus are owner-occupied. The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Bucyrus - 55% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Bucyrus? FEMA's National Risk Index points to hail (Relatively Moderate) in Adams County and Adams County has no active NFIP flood policies on file. See the full Adams County home insurance overview for all FEMA hazard ratings and flood coverage details.
In North Dakota, the statewide average premium for a standard HO-3 homeowners policy is $1,414 per year (NAIC, 2023 data).
Key figures
| Median home value | $162,500 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 18% |
| Top county hazard | Hail (Relatively Moderate) |
| Home insurance premium | $1,414 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- 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)