Home Insurance in Dawson, North Dakota
Homes in Dawson carry a median value of $162,500 - close to the Kidder County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Dawson was built around 1968. About 24% of homes were built before 1960, about 9 points below Kidder County's 33%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Dawson is 65% single-family homes and 35% mobile or manufactured homes.
About 8% of owner-occupied homes in Dawson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Dawson has an owner-occupancy rate of 100% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
In Dawson, 96% of homes are primarily heated with natural gas.
Kidder County has no active NFIP flood policies on file. Its top FEMA-rated hazard is winter weather (Relatively Low). See the full Kidder 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 | $162,500 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 8% |
| Top county hazard | Winter Weather (Relatively Low) |
| 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)