Home Insurance in Regan, North Dakota
The typical home in Regan was built around 1960. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 49% of homes were built before 1960, about 34 points above Burleigh County's 15%.
The housing stock in Regan is 98% single-family homes and 2% mobile or manufactured homes.
72% of owner-occupied homes in Regan carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 78% of occupied homes in Regan are owner-occupied. The vacancy rate is 44%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
78% of homes in Regan 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.
What's the biggest home insurance risk near Regan? FEMA's National Risk Index points to winter weather (Very High) in Burleigh County and 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.
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 year built | 1960 |
|---|---|
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)