Home Insurance in Cass County, North Dakota
The median home value in Cass County is $298,000, 19% higher than the North Dakota median.
The typical home in Cass County was built around 1993. About 16% of homes were built before 1960, about 7 points below North Dakota's 23%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Cass County is 52% single-family homes, 41% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Cass County, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Cass County has an owner-occupancy rate of 52% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Cass County, 49% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Cass County's top hazards are winter weather (Very High), strong wind (Very High) and hail (Relatively High).
Cass County had 2,326 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $298,000 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Very High), Strong Wind (Very High), Hail (Relatively High) |
| Active NFIP flood policies (county) | 2,326 |
| Home insurance premium | $1,414 - statewide average (NAIC, 2023 data) |
Towns and cities
- Alice
- Amenia
- Argusville
- Arthur
- Ayr
- Briarwood
- Buffalo
- Casselton
- Davenport
- Fargo
- Frontier
- Gardner
- Grandin
- Horace
- Hunter
- Kindred
- Leonard
- Mapleton
- North River
- Page
- Prairie Rose
- Reile's Acres
- Tower City
- West Fargo
Smaller communities
-
Harwood
- Median home value: $321,100
- Median year built: 1988
- Owner-occupied share: 100%
-
Oxbow
- Median home value: $680,100
- Median year built: 2011
- Owner-occupied share: 100%
Sources
- 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)