Home Insurance in Ayr, North Dakota
In Ayr, the housing stock is 100% single-family homes.
About 100% of owner-occupied homes in Ayr have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 50% of occupied homes in Ayr are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 50% of homes in Ayr are primarily heated with propane.
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.
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
| Owner-occupied share | 50% |
|---|---|
| Share of owner-occupied homes with a mortgage | 100% |
| 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)