Home Insurance in Bowman County, North Dakota
The median home value in Bowman County is $164,900, 34% lower than the North Dakota median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Bowman County was built around 1972. About 39% of homes were built before 1960, about 16 points above North Dakota's 23%.
In Bowman County, the housing stock is 83% single-family homes, 5% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Bowman County, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Bowman County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Bowman County, 50% of homes are primarily heated with natural gas.
Per FEMA's National Risk Index, Bowman County's top hazards are winter weather (Relatively Low), wildfire (Very Low) and hail (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Bowman County has 3 active NFIP flood policies on file.
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 | $164,900 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Low), Wildfire (Very Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 3 |
| Home insurance premium | $1,414 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)