Home Insurance in Buffalo, North Dakota
The median home value in Buffalo is $179,700, 40% lower than the Cass County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Buffalo was built around 1964. About 46% of homes were built before 1960, about 30 points above Cass County's 16%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Buffalo is 88% single-family homes, 4% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
About 48% of owner-occupied homes in Buffalo have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Buffalo has an owner-occupancy rate of 93% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Buffalo - 70% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Cass County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. 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.
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
| Median home value | $179,700 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)