Home Insurance in Emerado, North Dakota
The median home value in Emerado is $204,800, 19% lower than the Grand Forks County median.
The typical home in Emerado was built around 1985. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 6% of homes were built before 1960, about 16 points below Grand Forks County's 21%.
In Emerado, the housing stock is 42% single-family homes and 45% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
38% of owner-occupied homes in Emerado carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Emerado has an owner-occupancy rate of 71% and a vacancy rate of 40%; unoccupied homes typically need a different coverage form.
Most homes in Emerado - 67% - 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.
What's the biggest home insurance risk near Emerado? FEMA's National Risk Index points to winter weather (Very High) in Grand Forks County and Grand Forks County had 379 active NFIP flood policies as of September 2026. See the full Grand Forks 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 | $204,800 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Grand Forks County | 379 |
| 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)