Home Insurance in Bismarck, North Dakota
With a median home value of $300,300, Bismarck is 7% lower than the Burleigh County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Bismarck was built around 1985. About 17% of homes were built before 1960, about 2 points above Burleigh County's 15%.
In Bismarck, the housing stock is 58% single-family homes, 28% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Bismarck, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 65% of occupied homes in Bismarck are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
66% of homes in Bismarck are primarily heated with natural gas.
Burleigh County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. Burleigh County had 619 active NFIP flood policies as of September 2026. See the full Burleigh 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 | $300,300 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Burleigh County | 619 |
| 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)