Home Insurance in New England, North Dakota
Homes in New England carry a median value of $154,200 - 31% higher than the Hettinger County median.
The typical home in New England was built around 1959. About 51% of homes were built before 1960, about 7 points above Hettinger County's 44%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In New England, the housing stock is 88% single-family homes, 4% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
39% of owner-occupied homes in New England carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
New England has an owner-occupancy rate of 62% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in New England - 63% - 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 | $154,200 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)