Home Insurance in Bowman, North Dakota
Homes in Bowman carry a median value of $174,800 - 6% higher than the Bowman County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Bowman was built around 1966. About 45% of homes were built before 1960, about 6 points above Bowman County's 39%.
In Bowman, the housing stock is 85% single-family homes, 9% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Bowman, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Bowman are owner-occupied.
In Bowman, 84% of homes are primarily heated with natural gas.
FEMA rates Bowman County's overall risk as Very Low, led by winter weather (Relatively Low). Bowman County had 3 active NFIP flood policies as of September 2026. See the full Bowman County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in North Dakota carries a statewide average premium of $1,414 per year.
Key figures
| Median home value | $174,800 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Winter Weather (Relatively Low) |
| Active NFIP policies in Bowman County | 3 |
| 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)