Home Insurance in Kramer, North Dakota
Homes in Kramer carry a median value of $81,700 - 58% lower than the Bottineau County median.
The typical home in Kramer was built around 1964. About 38% of homes were built before 1960, about 11 points above Bottineau County's 27%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Kramer is 90% single-family homes and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Kramer, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Kramer has an owner-occupancy rate of 100% and a vacancy rate of 29%; 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. In Kramer, 47% of homes are primarily heated with propane.
What's the biggest home insurance risk near Kramer? FEMA's National Risk Index points to winter weather (Relatively High) in Bottineau County and Bottineau County had 8 active NFIP flood policies as of September 2026. See the full Bottineau 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 | $81,700 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Bottineau County | 8 |
| 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)