Home Insurance in Manvel, North Dakota
Homes in Manvel carry a median value of $203,700 - 19% lower than the Grand Forks County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Manvel was built around 1973. About 33% of homes were built before 1960, about 12 points above Grand Forks County's 21%.
In Manvel, the housing stock is 97% single-family homes and 3% mobile or manufactured homes.
59% of owner-occupied homes in Manvel carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Manvel has an owner-occupancy rate of 85% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 42% of homes in Manvel 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.
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 | $203,700 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)