Home Insurance in Minnewaukan, North Dakota
The median home value in Minnewaukan is $105,400, 17% higher than the Benson County median.
The typical home in Minnewaukan was built around 1970. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 27% of homes were built before 1960, about 3 points below Benson County's 30%.
Housing in Minnewaukan breaks down to 54% single-family homes, 39% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Minnewaukan, about 13% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Minnewaukan has an owner-occupancy rate of 61% and a vacancy rate of 32%; unoccupied homes typically need a different coverage form.
44% of homes in Minnewaukan are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Benson County's overall risk as Very Low, led by winter weather (Relatively High). 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 | $105,400 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 13% |
| 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)