Home Insurance in Tower City, North Dakota
The median home value in Tower City is $187,500, 37% lower than the Cass County median.
The typical home in Tower City was built around 1976. About 31% of homes were built before 1960, about 15 points above Cass County's 16%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Tower City, the housing stock is 87% single-family homes and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Tower City, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Tower City has an owner-occupancy rate of 89% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
65% of homes in Tower City are primarily heated with natural gas. Homes heated with fuel oil 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in North Dakota carries a statewide average premium of $1,414 per year.
Key figures
| Median home value | $187,500 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)