Home Insurance in Grandin, North Dakota
The median home value in Grandin is $131,300, 56% 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 Grandin was built around 1964. About 45% of homes were built before 1960, about 29 points above Cass County's 16%.
The housing stock in Grandin is 71% single-family homes, 15% apartments in buildings with 5+ units and 3% 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.
49% of owner-occupied homes in Grandin carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Grandin has an owner-occupancy rate of 78% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Grandin - 58% - 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'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.
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 | $131,300 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)