Home Insurance in Sentinel Butte, North Dakota
The typical home in Sentinel Butte was built around 1945. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 57% of homes were built before 1960, about 4 points above Golden Valley County's 53%.
The housing stock in Sentinel Butte is 95% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
10% of owner-occupied homes in Sentinel Butte carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
All occupied homes in Sentinel Butte are owner-occupied. The vacancy rate is 30%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Sentinel Butte - 84% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 built | 1945 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 10% |
| 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)