Home Insurance in Oriska, North Dakota
With a median home value of $76,800, Oriska is 56% lower than the Barnes County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Oriska was built around 1973. About 32% of homes were built before 1960, about 14 points below Barnes County's 45%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Oriska is 63% single-family homes and 36% mobile or manufactured homes.
In Oriska, about 25% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Oriska has an owner-occupancy rate of 87% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Oriska, 71% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Oriska? 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.
The statewide average premium for a standard HO-3 homeowners policy in North Dakota is $1,414 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $76,800 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 25% |
| 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)