HomeInsuranceQts

Home Insurance in McHenry, North Dakota

Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in McHenry was built in 1939 or earlier. About 85% of homes were built before 1960, about 54 points above Foster County's 31%.

In McHenry, the housing stock is 91% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

24% of owner-occupied homes in McHenry carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in McHenry are owner-occupied.

Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 41% of homes in McHenry are primarily heated with wood.

Foster County had 2 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full Foster 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 year built1939 or earlier
Owner-occupied share100%
Share of owner-occupied homes with a mortgage24%
Top county hazardWinter Weather (Relatively Moderate)
Active NFIP policies in Foster County2
Home insurance premium$1,414 - statewide average (NAIC, 2023 data)
Key home insurance figures for McHenry, ND

Nearby towns

Sources

Data last updated: 2026-09-29