Home Insurance in Maxbass, North Dakota
The median home value in Maxbass is $40,000, 79% lower than the Bottineau County median.
The typical home in Maxbass was built around 1946. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 62% of homes were built before 1960, about 35 points above Bottineau County's 27%.
In Maxbass, the housing stock is 98% single-family homes and 2% mobile or manufactured homes.
20% of owner-occupied homes in Maxbass carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 95% of occupied homes in Maxbass are owner-occupied. The vacancy rate is 48%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Maxbass - 81% - 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.
FEMA rates Bottineau County's overall risk as Very Low, led by winter weather (Relatively High). 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 | $40,000 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 20% |
| 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)