Home Insurance in Fullerton, North Dakota
Homes in Fullerton carry a median value of $77,500 - 52% lower than the Dickey County median.
The typical home in Fullerton was built around 1959. About 51% of homes were built before 1960, about 6 points above Dickey County's 45%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Fullerton is 81% single-family homes and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
29% of owner-occupied homes in Fullerton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 95% of occupied homes in Fullerton are owner-occupied.
Most homes in Fullerton - 65% - are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Dickey County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Dickey County has no active NFIP flood policies on file. See the full Dickey 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 | $77,500 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| 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)