Home Insurance in New Rockford, North Dakota
With a median home value of $101,300, New Rockford is 18% lower than the Eddy County median.
The typical home in New Rockford was built around 1964. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 44% of homes were built before 1960, about 5 points above Eddy County's 39%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in New Rockford is 71% single-family homes, 16% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
In New Rockford, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
New Rockford has an owner-occupancy rate of 64% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
In New Rockford, 72% of homes are primarily heated with natural gas.
Eddy County's top FEMA-rated hazard is wildfire (Very Low), per FEMA's National Risk Index. Eddy County had 3 active NFIP flood policies as of September 2026. See the full Eddy 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 | $101,300 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in Eddy County | 3 |
| 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)