Home Insurance in Dickey County, North Dakota
With a median home value of $162,400, Dickey County is 35% lower than the North Dakota median.
The typical home in Dickey County was built around 1964. About 45% of homes were built before 1960, about 22 points above North Dakota's 23%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Dickey County is 84% single-family homes, 6% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
About 45% of owner-occupied homes in Dickey County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Dickey County are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Dickey County, 46% of homes are primarily heated with electricity.
The top hazards for Dickey County, per FEMA's National Risk Index, are winter weather (Relatively Moderate), hail (Relatively Moderate) and wildfire (Very Low).
Dickey County has no active NFIP flood policies on file. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $162,400 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Hail (Relatively Moderate), Wildfire (Very Low) |
| Home insurance premium | $1,414 - statewide average (NAIC, 2023 data) |
Towns and cities
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)