Home Insurance in Knox, North Dakota
The median home value in Knox is $160,400, 78% higher than the Benson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Knox was built in 1939 or earlier. About 78% of homes were built before 1960, about 48 points above Benson County's 30%.
In Knox, the housing stock is 100% single-family homes.
Almost no owner-occupied homes in Knox carry a mortgage.
All occupied homes in Knox are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Knox - 57% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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 home value | $160,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 0% |
| 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)