Home Insurance in Arthur, North Dakota
The median home value in Arthur is $217,900, 27% lower than the Cass County median.
The typical home in Arthur was built around 1971. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 34% of homes were built before 1960, about 18 points above Cass County's 16%.
The housing stock in Arthur is 77% single-family homes, 4% apartments in buildings with 5+ units and 8% 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 Arthur, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Arthur has an owner-occupancy rate of 86% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Arthur - 54% - are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Cass County had 2,326 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). See the full Cass 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 | $217,900 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Cass County | 2,326 |
| 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)