Home Insurance in Cavalier County, North Dakota
With a median home value of $125,800, Cavalier County is 50% lower than the North Dakota median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Cavalier County was built around 1968. About 37% of homes were built before 1960, about 14 points above North Dakota's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Cavalier County is 82% single-family homes, 7% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
About 34% of owner-occupied homes in Cavalier County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 81% of occupied homes in Cavalier County are owner-occupied. The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Cavalier County, 35% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Cavalier County's top hazards are winter weather (Relatively Moderate), hail (Relatively Low) and wildfire (Very Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Cavalier County has 1 active NFIP flood policy on file.
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 | $125,800 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Hail (Relatively Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 1 |
| Home insurance premium | $1,414 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Alsen
- Median year built: 1975
- Owner-occupied share: 77%
- Share of owner-occupied homes with a mortgage: 20%
-
Calvin
- Median year built: 1968
- Owner-occupied share: 100%
- Share of owner-occupied homes with a mortgage: 0%
-
Hannah
- Owner-occupied share: 0%
-
Loma
- Median year built: 1958
- Owner-occupied share: 100%
- Share of owner-occupied homes with a mortgage: 0%
-
Milton
- Median home value: $308,800
- Median year built: 1997
- Owner-occupied share: 100%
-
Nekoma
- Median home value: $112,500
- Median year built: 1980
- Owner-occupied share: 100%
-
Wales
- Median year built: 1939 or earlier
- Owner-occupied share: 100%
- Share of owner-occupied homes with a mortgage: 0%
Sources
- 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)