Home Insurance in Horace, North Dakota
With a median home value of $414,500, Horace is 39% higher than the Cass County median.
The typical home in Horace was built around 2006. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 4% of homes were built before 1960, about 13 points below Cass County's 16%.
In Horace, the housing stock is 92% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Horace, about 75% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 94% of occupied homes in Horace are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
65% of homes in Horace 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.
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 | $414,500 |
|---|---|
| Median year built | 2006 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)