Home Insurance in Rogers, North Dakota
With a median home value of $47,500, Rogers is 73% lower than the Barnes County median.
The median home in Rogers was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 82% of homes were built before 1960, about 37 points above Barnes County's 45%.
Housing in Rogers breaks down to 94% single-family homes.
About 18% of owner-occupied homes in Rogers have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
All occupied homes in Rogers are owner-occupied.
65% of homes in Rogers are primarily heated with fuel oil. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Barnes County had 123 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). 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 | $47,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 18% |
| 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)