Home Insurance in Monango, North Dakota
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Monango was built around 1950. About 50% of homes were built before 1960, about 5 points above Dickey County's 45%.
The housing stock in Monango is 100% single-family homes.
100% of owner-occupied homes in Monango carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
All occupied homes in Monango are owner-occupied. The vacancy rate is 75%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Monango - 75% - 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.
Dickey County has no active NFIP flood policies on file. Its top FEMA-rated hazard is winter weather (Relatively Moderate). 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 year built | 1950 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 100% |
| 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)