Home Insurance in Pettibone, North Dakota
The typical home in Pettibone was built around 1951. About 73% of homes were built before 1960, about 40 points above Kidder County's 33%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Pettibone, the housing stock is 98% single-family homes and 2% mobile or manufactured homes.
In Pettibone, about 29% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Pettibone has an owner-occupancy rate of 93% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Pettibone, 51% of homes are primarily heated with electricity.
FEMA rates Kidder County's overall risk as Very Low, led by winter weather (Relatively Low). Kidder County has no active NFIP flood policies on file. 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 year built | 1951 |
|---|---|
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 29% |
| 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)