Home Insurance in Sibley, North Dakota
The median home value in Sibley is $200,000, 15% higher 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 Sibley was built around 1959. About 54% of homes were built before 1960, about 9 points above Barnes County's 45%.
The housing stock in Sibley is 87% single-family homes. The rest are 2-4 unit or other housing types.
About 30% of owner-occupied homes in Sibley have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
All occupied homes in Sibley are owner-occupied. The vacancy rate is 74%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Sibley - 70% - are primarily heated with electricity.
Barnes County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. 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 | $200,000 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 30% |
| 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)