Home Insurance in Hazelton, North Dakota
With a median home value of $80,600, Hazelton is 31% lower than the Emmons County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Hazelton was built in 1939 or earlier. About 62% of homes were built before 1960, about 17 points above Emmons County's 45%.
In Hazelton, the housing stock is 90% single-family homes, 3% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 41% of owner-occupied homes in Hazelton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hazelton has an owner-occupancy rate of 75% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Most homes in Hazelton - 51% - are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Emmons County had 19 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). See the full Emmons 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 | $80,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Emmons County | 19 |
| 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)