Home Insurance in Griggs County, North Dakota
With a median home value of $119,300, Griggs County is 52% lower than the North Dakota median.
The typical home in Griggs County was built around 1958. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 53% of homes were built before 1960, about 30 points above North Dakota's 23%.
The housing stock in Griggs County is 83% single-family homes, 9% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Griggs County, about 26% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Griggs County has an owner-occupancy rate of 77% and a vacancy rate of 27%; 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. 47% of homes in Griggs County are primarily heated with electricity.
The top hazards for Griggs County, per FEMA's National Risk Index, are hail (Relatively Low), winter weather (Relatively Low) and strong wind (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Griggs County has 1 active NFIP flood policy on file.
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 | $119,300 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Winter Weather (Relatively Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 1 |
| 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)