Home Insurance in Leeds, North Dakota
Homes in Leeds carry a median value of $94,100 - close to the Benson County median.
The typical home in Leeds was built around 1971. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 32% of homes were built before 1960, about 3 points above Benson County's 30%.
In Leeds, the housing stock is 73% single-family homes. The rest are 2-4 unit or other housing types.
57% of owner-occupied homes in Leeds carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Leeds has an owner-occupancy rate of 65% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 41% of homes in Leeds are primarily heated with propane.
Benson County had 10 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Benson County home insurance overview for all FEMA hazard ratings and flood coverage details.
In North Dakota, the statewide average premium for a standard HO-3 homeowners policy is $1,414 per year (NAIC, 2023 data).
Key figures
| Median home value | $94,100 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)