Home Insurance in Lansford, North Dakota
The median home value in Lansford is $156,300, 19% lower than the Bottineau County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Lansford was built around 1963. About 48% of homes were built before 1960, about 21 points above Bottineau County's 27%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lansford is 80% single-family homes, 7% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
About 67% of owner-occupied homes in Lansford have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lansford has an owner-occupancy rate of 84% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Most homes in Lansford - 57% - 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.
Bottineau County had 8 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Bottineau 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 | $156,300 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)