Home Insurance in Flaxton, North Dakota
The median home value in Flaxton is $46,700, 70% lower than the Burke County median.
The typical home in Flaxton was built around 1943. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 66% of homes were built before 1960, about 28 points above Burke County's 38%.
The housing stock in Flaxton is 81% single-family homes and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 6% of owner-occupied homes in Flaxton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 78%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Flaxton 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 Flaxton, 94% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Flaxton? FEMA's National Risk Index points to winter weather (Relatively Low) in Burke County and 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.
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 | $46,700 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 6% |
| 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)