Home Insurance in Reile's Acres, North Dakota
With a median home value of $475,600, Reile's Acres is 60% higher than the Cass County median.
The typical home in Reile's Acres was built around 2004. About 0% of homes were built before 1960, about 16 points below Cass County's 16%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Reile's Acres, the housing stock is 100% single-family homes.
72% of owner-occupied homes in Reile's Acres carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
All occupied homes in Reile's Acres are owner-occupied.
61% of homes in Reile's Acres 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.
What's the biggest home insurance risk near Reile's Acres? FEMA's National Risk Index points to winter weather (Very High) in Cass County and 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.
The statewide average premium for a standard HO-3 homeowners policy in North Dakota is $1,414 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $475,600 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)