Home Insurance in Souris, North Dakota
The typical home in Souris was built around 1973. About 24% of homes were built before 1960, about 3 points below 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 Souris is 88% single-family homes and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 21% of owner-occupied homes in Souris have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 83% of occupied homes in Souris are owner-occupied. The vacancy rate is 30%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Souris - 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.
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 year built | 1973 |
|---|---|
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 21% |
| 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)