Home Insurance in Gilby, North Dakota
The median home value in Gilby is $110,400, 56% lower than the Grand Forks County median.
The typical home in Gilby was built around 1955. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 67% of homes were built before 1960, about 46 points above Grand Forks County's 21%.
In Gilby, 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.
About 63% of owner-occupied homes in Gilby have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 96% of occupied homes in Gilby are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Gilby, 48% of homes are primarily heated with propane.
Grand Forks County had 379 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). See the full Grand Forks 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 | $110,400 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)