Home Insurance in Gascoyne, North Dakota
The typical home in Gascoyne was built around 1948. About 60% of homes were built before 1960, about 21 points above Bowman County's 39%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Gascoyne breaks down to 100% single-family homes.
Almost no owner-occupied homes in Gascoyne carry a mortgage.
All occupied homes in Gascoyne 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 Gascoyne, 90% of homes are primarily heated with propane.
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.
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 year built | 1948 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 0% |
| 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)