Home Insurance in Beach, North Dakota
The median home value in Beach is $136,500, 10% higher than the Golden Valley County median.
The typical home in Beach was built around 1956. About 54% of homes were built before 1960, about 2 points above Golden Valley County's 53%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Beach breaks down to 89% single-family homes and 6% apartments in buildings with 5+ units.
39% of owner-occupied homes in Beach carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Beach are owner-occupied.
Most homes in Beach - 77% - are primarily heated with natural gas.
Golden Valley County has no active NFIP flood policies on file. Its top FEMA-rated hazard is winter weather (Relatively Low). See the full Golden Valley 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 | $136,500 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Winter Weather (Relatively Low) |
| 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)