Home Insurance in Divide County, North Dakota
With a median home value of $167,600, Divide County is 33% lower than the North Dakota median.
The typical home in Divide County was built around 1963. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 48% of homes were built before 1960, about 24 points above North Dakota's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Divide County is 84% single-family homes, 6% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
In Divide County, about 21% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Divide County has an owner-occupancy rate of 77% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
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 Divide County, 46% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Divide County's top hazards are winter weather (Relatively Moderate), wildfire (Very Low) and hail (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. Divide County has no active NFIP flood policies on file.
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 | $167,600 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 21% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Wildfire (Very Low), Hail (Relatively 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)