Home Insurance in Regent, North Dakota
Homes in Regent carry a median value of $57,300 - 51% lower than the Hettinger County median.
The typical home in Regent was built around 1961. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 48% of homes were built before 1960, about 4 points above Hettinger County's 44%.
The housing stock in Regent is 83% single-family homes, 11% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
24% of owner-occupied homes in Regent carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 75% of occupied homes in Regent are owner-occupied. The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Regent - 75% - 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.
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 | $57,300 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 24% |
| 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)