Home Insurance in West Fargo, North Dakota
The median home value in West Fargo is $321,900, 8% higher than the Cass County median.
The typical home in West Fargo was built around 2004. About 6% of homes were built before 1960, about 10 points below Cass County's 16%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In West Fargo, the housing stock is 67% single-family homes, 24% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
73% of owner-occupied homes in West Fargo carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
West Fargo has an owner-occupancy rate of 64% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In West Fargo, 56% of homes are primarily heated with natural gas.
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 | $321,900 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)