Home Insurance in Hannaford, North Dakota
With a median home value of $59,200, Hannaford is 50% lower than the Griggs County median.
The typical home in Hannaford was built around 1944. About 67% of homes were built before 1960, about 14 points above Griggs County's 53%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Hannaford, the housing stock is 88% single-family homes. The rest are 2-4 unit or other housing types.
23% of owner-occupied homes in Hannaford carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Hannaford has an owner-occupancy rate of 76% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Hannaford, 61% 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.
What's the biggest home insurance risk near Hannaford? FEMA's National Risk Index points to hail (Relatively Low) in Griggs County and 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.
In North Dakota, the statewide average premium for a standard HO-3 homeowners policy is $1,414 per year (NAIC, 2023 data).
Key figures
| Median home value | $59,200 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 23% |
| 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)