HomeInsuranceQts

Home Insurance in Calio, North Dakota

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Calio was built around 1968. About 22% of homes were built before 1960, about 15 points below Cavalier County's 37%.

Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Calio is 67% single-family homes and 33% mobile or manufactured homes.

Almost no owner-occupied homes in Calio carry a mortgage.

Calio has an owner-occupancy rate of 100% and a vacancy rate of 56%; unoccupied homes typically need a different coverage form.

Most homes in Calio - 62% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.

FEMA rates Cavalier County's overall risk as Very Low, led by winter weather (Relatively Moderate). Cavalier County had 1 active NFIP flood policy as of September 2026. See the full Cavalier 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 year built1968
Owner-occupied share100%
Share of owner-occupied homes with a mortgage0%
Top county hazardWinter Weather (Relatively Moderate)
Active NFIP policies in Cavalier County1
Home insurance premium$1,414 - statewide average (NAIC, 2023 data)
Key home insurance figures for Calio, ND

Nearby towns

Sources

Data last updated: 2026-09-29