Home Insurance in Burke County, North Dakota
The median home value in Burke County is $158,100, 37% lower than the North Dakota median.
The typical home in Burke County was built around 1969. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 38% of homes were built before 1960, about 15 points above North Dakota's 23%.
In Burke County, the housing stock is 79% single-family homes, 5% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Burke County, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Burke County has an owner-occupancy rate of 75% and a vacancy rate of 34%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Burke County, 48% of homes are primarily heated with electricity.
The top hazards for Burke County, per FEMA's National Risk Index, are winter weather (Relatively Low), wildfire (Very Low) and hail (Very Low).
As of September 2026, Burke County has 2 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $158,100 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Low), Wildfire (Very Low), Hail (Very Low) |
| Active NFIP flood policies (county) | 2 |
| 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)