Home Insurance in Columbus, North Dakota
With a median home value of $67,900, Columbus is 57% lower than the Burke County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Columbus was built around 1957. About 52% of homes were built before 1960, about 15 points above Burke County's 38%.
In Columbus, the housing stock is 73% single-family homes and 9% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 23% of owner-occupied homes in Columbus have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Columbus has an owner-occupancy rate of 97% and a vacancy rate of 73%; unoccupied homes typically need a different coverage form.
Most homes in Columbus - 62% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Burke County's overall risk as Very Low, led by winter weather (Relatively Low). Burke County had 2 active NFIP flood policies as of September 2026. See the full Burke 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 | $67,900 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 23% |
| Top county hazard | Winter Weather (Relatively Low) |
| Active NFIP policies in Burke County | 2 |
| 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)