Home Insurance in Grand Forks County, North Dakota
The median home value in Grand Forks County is $252,700, close to the North Dakota median.
The typical home in Grand Forks County was built around 1982. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 21% of homes were built before 1960, about 2 points below North Dakota's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Grand Forks County is 53% single-family homes, 37% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
59% of owner-occupied homes in Grand Forks County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Grand Forks County has an owner-occupancy rate of 52% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
45% of homes in Grand Forks County are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists winter weather (Very High), hail (Relatively Moderate) and strong wind (Relatively Moderate) as the leading hazards for Grand Forks County.
Grand Forks County had 379 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $252,700 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Very High), Hail (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 379 |
| Home insurance premium | $1,414 - statewide average (NAIC, 2023 data) |
Towns and cities
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)