Home Insurance in Sarles, North Dakota
Homes in Sarles carry a median value of under $10,000.
The typical home in Sarles was built around 1975. About 31% of homes were built before 1960, about 6 points below Cavalier County's 37%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Sarles breaks down to 100% single-family homes.
20% of owner-occupied homes in Sarles carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
All occupied homes in Sarles are owner-occupied. The vacancy rate is 69%; 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. Most homes in Sarles - 80% - are primarily heated with electricity.
Cavalier County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. 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 home value | under $10,000 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 20% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Cavalier County | 1 |
| 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)