Home Insurance in Cooperstown, North Dakota
With a median home value of $98,600, Cooperstown is 17% lower than the Griggs County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Cooperstown was built around 1962. About 45% of homes were built before 1960, about 7 points below Griggs County's 53%.
In Cooperstown, the housing stock is 69% single-family homes, 17% 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.
About 34% of owner-occupied homes in Cooperstown have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Cooperstown has an owner-occupancy rate of 77% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
In Cooperstown, 57% of homes are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Griggs County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Griggs County had 1 active NFIP flood policy as of September 2026. See the full Griggs 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 | $98,600 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Griggs County | 1 |
| 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)