Home Insurance in Hunter, North Dakota
With a median home value of $125,000, Hunter is 58% lower than the Cass County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hunter was built around 1963. About 45% of homes were built before 1960, about 29 points above Cass County's 16%.
The housing stock in Hunter is 84% single-family homes and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
83% of owner-occupied homes in Hunter carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 87% of occupied homes in Hunter are owner-occupied.
Most homes in Hunter - 52% - are primarily heated with propane. 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 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.
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 | $125,000 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 83% |
| 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)