Home Insurance in Leonard, North Dakota
The median home value in Leonard is $162,500, 45% lower than the Cass County median.
The typical home in Leonard was built around 1975. About 37% of homes were built before 1960, about 21 points above Cass County's 16%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Leonard is 78% single-family homes and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Leonard, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Leonard has an owner-occupancy rate of 68% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Leonard, 52% of homes are primarily heated with electricity.
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 | $162,500 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)