Home Insurance in Robinson, North Dakota
The typical home in Robinson was built around 1975. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 33% of homes were built before 1960, in line with Kidder County (33%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Robinson is 74% single-family homes, 14% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
26% of owner-occupied homes in Robinson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 82% of occupied homes in Robinson are owner-occupied. The vacancy rate is 35%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Robinson - 79% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Robinson? FEMA's National Risk Index points to winter weather (Relatively Low) in Kidder County and 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.
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 year built | 1975 |
|---|---|
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 26% |
| 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)