Home Insurance in Ambrose, North Dakota
The median home value in Ambrose is $61,300, 63% lower than the Divide County median.
The typical home in Ambrose was built around 1950. About 77% of homes were built before 1960, about 30 points above Divide County's 48%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Ambrose, the housing stock is 100% single-family homes.
Almost no owner-occupied homes in Ambrose carry a mortgage.
The vacancy rate is 32%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 93% of occupied homes in Ambrose are owner-occupied.
Most homes in Ambrose - 67% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Divide County's overall risk as Very Low, led by winter weather (Relatively Moderate). Divide County has no active NFIP flood policies on file. See the full Divide County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in North Dakota carries a statewide average premium of $1,414 per year.
Key figures
| Median home value | $61,300 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 0% |
| 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)