Home Insurance in Reeder, North Dakota
Homes in Reeder carry a median value of $43,600 - 61% lower than the Adams County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Reeder was built around 1940. About 59% of homes were built before 1960, about 16 points above Adams County's 43%.
In Reeder, the housing stock is 74% single-family homes and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Reeder, about 2% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Reeder has an owner-occupancy rate of 79% and a vacancy rate of 38%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Reeder, 48% of homes are primarily heated with propane.
Adams County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $43,600 |
|---|---|
| Median year built | 1940 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 2% |
| 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)