Home Insurance in Willow City, North Dakota
With a median home value of $64,500, Willow City is 67% lower than the Bottineau County median.
The typical home in Willow City was built around 1966. About 40% of homes were built before 1960, about 13 points above Bottineau County's 27%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Willow City, the housing stock is 91% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Willow City, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Willow City has an owner-occupancy rate of 88% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
In Willow City, 32% of homes are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Bottineau County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. 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 | $64,500 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)