Home Insurance in Brinsmade, North Dakota
The typical home in Brinsmade was built around 1951. About 94% of homes were built before 1960, about 65 points above Benson County's 30%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Brinsmade breaks down to 100% single-family homes.
In Brinsmade, about 11% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Brinsmade has an owner-occupancy rate of 100% and a vacancy rate of 47%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Brinsmade - 89% - are primarily heated with propane.
Benson County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Benson County had 10 active NFIP flood policies as of September 2026. See the full Benson 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 year built | 1951 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 11% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Benson County | 10 |
| 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)