Home Insurance in Dunn Center, North Dakota
With a median home value of $178,500, Dunn Center is 35% lower than the Dunn County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Dunn Center was built around 1978. About 34% of homes were built before 1960, about 11 points above Dunn County's 23%.
In Dunn Center, the housing stock is 59% single-family homes, 4% apartments in buildings with 5+ units and 25% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Dunn Center, about 18% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 38% of occupied homes in Dunn Center are owner-occupied.
43% of homes in Dunn Center 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.
Dunn County had 18 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Dunn 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 home value | $178,500 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 38% |
| Share of owner-occupied homes with a mortgage | 18% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Dunn County | 18 |
| 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)