Home Insurance in Mott, North Dakota
The median home value in Mott is $75,300, 36% lower than the Hettinger County median.
The typical home in Mott was built around 1963. About 43% of homes were built before 1960, in line with Hettinger County (44%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Mott is 79% single-family homes, 12% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
About 45% of owner-occupied homes in Mott have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Mott has an owner-occupancy rate of 69% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
In Mott, 73% of homes are primarily heated with natural gas.
Hettinger County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Hettinger County had 4 active NFIP flood policies as of September 2026. See the full Hettinger 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 | $75,300 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Hettinger County | 4 |
| 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)