Home Insurance in Warwick, North Dakota
The median home value in Warwick is $42,500, 53% lower than the Benson County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Warwick was built around 1970. About 23% of homes were built before 1960, about 7 points below Benson County's 30%.
The housing stock in Warwick is 68% single-family homes and 32% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
13% of owner-occupied homes in Warwick carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Warwick are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Warwick - 100% - 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.
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 | $42,500 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 62% |
| 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)