Home Insurance in Sheyenne, North Dakota
The median home value in Sheyenne is $68,300, 45% lower than the Eddy County median.
The typical home in Sheyenne was built around 1965. About 40% of homes were built before 1960, in line with Eddy County (39%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Sheyenne is 67% single-family homes, 23% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
18% of owner-occupied homes in Sheyenne carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 66% of occupied homes in Sheyenne are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
65% of homes in Sheyenne are primarily heated with natural gas.
What's the biggest home insurance risk near Sheyenne? FEMA's National Risk Index points to wildfire (Very Low) in Eddy County and 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.
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 | $68,300 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 18% |
| 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)