Home Insurance in Maddock, North Dakota
The median home value in Maddock is $41,300, 54% lower than the Benson County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Maddock was built around 1963. About 44% of homes were built before 1960, about 14 points above Benson County's 30%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Maddock is 60% single-family homes, 22% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 18% of owner-occupied homes in Maddock have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Maddock has an owner-occupancy rate of 61% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Maddock, 44% of homes are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Maddock? FEMA's National Risk Index points to winter weather (Relatively High) in Benson County and 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.
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 | $41,300 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 18% |
| 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)