Home Insurance in Tuttle, North Dakota
The typical home in Tuttle was built around 1950. About 51% of homes were built before 1960, about 18 points above Kidder County's 33%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Tuttle is 88% single-family homes and 3% apartments in buildings with 5+ units.
In Tuttle, about 21% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Tuttle has an owner-occupancy rate of 94% and a vacancy rate of 54%; unoccupied homes typically need a different coverage form.
Most homes in Tuttle - 55% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Kidder County's top FEMA-rated hazard is winter weather (Relatively Low), per FEMA's National Risk Index. 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in North Dakota carries a statewide average premium of $1,414 per year.
Key figures
| Median year built | 1950 |
|---|---|
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 21% |
| 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)