Home Insurance in Fortuna, North Dakota
With a median home value of $30,400, Fortuna is 82% lower than the Divide County median.
The median home in Fortuna was built in 1939 or earlier. About 97% of homes were built before 1960, about 49 points above Divide County's 48%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Fortuna is 100% single-family homes.
Almost no owner-occupied homes in Fortuna carry a mortgage.
About 95% of occupied homes in Fortuna are owner-occupied. The vacancy rate is 31%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Fortuna, 45% of homes 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.
What's the biggest home insurance risk near Fortuna? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Divide County and 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.
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 | $30,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 95% |
| 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)