Home Insurance in Fingal, North Dakota
Homes in Fingal carry a median value of $56,000 - 68% lower than the Barnes County median.
The median home in Fingal was built in 1939 or earlier. About 62% of homes were built before 1960, about 17 points above Barnes County's 45%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Fingal breaks down to 88% single-family homes and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
60% of owner-occupied homes in Fingal carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
All occupied homes in Fingal are owner-occupied.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 41% of homes in Fingal are primarily heated with electricity.
What's the biggest home insurance risk near Fingal? FEMA's National Risk Index points to winter weather (Relatively High) in Barnes County and Barnes County had 123 active NFIP flood policies as of September 2026. See the full Barnes 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 | $56,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Barnes County | 123 |
| 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)