Home Insurance in Portal, North Dakota
The median home value in Portal is $87,200, 45% lower than the Burke County median.
The typical home in Portal was built around 1974. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 17% of homes were built before 1960, about 21 points below Burke County's 38%.
In Portal, the housing stock is 68% single-family homes and 13% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Portal, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 31% of occupied homes in Portal are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Portal - 67% - are primarily heated with natural gas.
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.
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 | $87,200 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 31% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)