Home Insurance in Ludden, North Dakota
The median home value in Ludden is $110,900, 32% lower than the Dickey County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Ludden was built around 1991. About 15% of homes were built before 1960, about 30 points below Dickey County's 45%.
Housing in Ludden breaks down to 100% single-family homes.
38% of owner-occupied homes in Ludden carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
All occupied homes in Ludden are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 62% of homes in Ludden are primarily heated with propane.
FEMA rates Dickey County's overall risk as Very Low, led by winter weather (Relatively Moderate). 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.
The statewide average premium for a standard HO-3 homeowners policy in North Dakota is $1,414 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $110,900 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)