Home Insurance in Carson, North Dakota
The median home value in Carson is $83,100, 11% lower than the Grant County median.
The typical home in Carson was built around 1962. About 48% of homes were built before 1960, about 1 point above Grant County's 47%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Carson is 75% single-family homes, 9% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 37% of owner-occupied homes in Carson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Carson has an owner-occupancy rate of 70% and a vacancy rate of 30%; unoccupied homes typically need a different coverage form.
Most homes in Carson - 61% - 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.
What's the biggest home insurance risk near Carson? FEMA's National Risk Index points to hail (Relatively Moderate) in Grant County and Grant County had 6 active NFIP flood policies as of September 2026. See the full Grant 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 | $83,100 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Grant County | 6 |
| 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)