Home Insurance in Barnes County, North Dakota
The median home value in Barnes County is $173,700, 30% lower than the North Dakota median.
The typical home in Barnes County was built around 1966. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 45% of homes were built before 1960, about 22 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 Barnes County is 70% single-family homes, 19% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
45% of owner-occupied homes in Barnes County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Barnes County has an owner-occupancy rate of 71% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
47% of homes in Barnes County are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists winter weather (Relatively High), hail (Relatively Moderate) and strong wind (Relatively Moderate) as the leading hazards for Barnes County.
Barnes County had 123 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $173,700 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Hail (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 123 |
| Home insurance premium | $1,414 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
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Leal
- Median year built: 1939 or earlier
- Owner-occupied share: 100%
- Share of owner-occupied homes with a mortgage: 42%
-
Nome
- Median year built: 1939 or earlier
- Owner-occupied share: 100%
- Share of owner-occupied homes with a mortgage: 42%
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)