Home Insurance in Newburg, North Dakota
With a median home value of $100,000, Newburg is 48% 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 Newburg was built around 1975. About 25% of homes were built before 1960, about 2 points below 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 Newburg is 65% single-family homes, 17% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
50% of owner-occupied homes in Newburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 31%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 48% of occupied homes in Newburg are owner-occupied.
In Newburg, 76% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Newburg? 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.
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 | $100,000 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)