Home Insurance in Grant County, North Dakota
The median home value in Grant County is $93,200, 63% lower than the North Dakota median.
The typical home in Grant County was built around 1962. About 47% of homes were built before 1960, about 24 points above North Dakota's 23%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Grant County is 74% single-family homes, 5% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Grant County, about 32% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Grant County has an owner-occupancy rate of 83% and a vacancy rate of 35%; unoccupied homes typically need a different coverage form.
Most homes in Grant County - 56% - are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Grant County, per FEMA's National Risk Index, are hail (Relatively Moderate), winter weather (Relatively Moderate) and wildfire (Relatively Low).
As of September 2026, Grant County has 6 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $93,200 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Winter Weather (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 6 |
| Home insurance premium | $1,414 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)