Home Insurance in Briarwood, North Dakota
With a median home value of $625,000, Briarwood is 110% higher than the Cass County median.
The typical home in Briarwood was built around 1980. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 18% of homes were built before 1960, about 2 points above Cass County's 16%.
In Briarwood, the housing stock is 100% single-family homes.
In Briarwood, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
All occupied homes in Briarwood are owner-occupied.
Most homes in Briarwood - 73% - are primarily heated with natural gas.
FEMA rates Cass County's overall risk as Relatively Moderate, led by winter weather (Very High). Cass County had 2,326 active NFIP flood policies as of September 2026. See the full Cass 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 home value | $625,000 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)