Home Insurance in Lignite, North Dakota
The median home value in Lignite is $93,000, 41% lower than the Burke County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Lignite was built around 1974. About 32% of homes were built before 1960, about 5 points below Burke County's 38%.
In Lignite, the housing stock is 71% single-family homes, 1% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 36% of owner-occupied homes in Lignite have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Lignite are owner-occupied.
Most homes in Lignite - 67% - are primarily heated with natural gas.
Burke County's top FEMA-rated hazard is winter weather (Relatively Low), per FEMA's National Risk Index. 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.
The statewide average premium for a standard HO-3 homeowners policy in North Dakota is $1,414 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $93,000 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)