Home Insurance in Bottineau County, North Dakota
With a median home value of $193,200, Bottineau County is 23% lower than the North Dakota median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Bottineau County was built around 1976. About 27% of homes were built before 1960, about 4 points above North Dakota's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bottineau County is 83% single-family homes, 6% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
About 41% of owner-occupied homes in Bottineau County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 32%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Bottineau County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Bottineau County, 59% of homes are primarily heated with electricity.
FEMA's National Risk Index lists winter weather (Relatively High), wildfire (Relatively Low) and hail (Relatively Low) as the leading hazards for Bottineau County.
Bottineau County had 8 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $193,200 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Wildfire (Relatively Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 8 |
| Home insurance premium | $1,414 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)