Home Insurance in LaMoure County, North Dakota
With a median home value of $117,200, LaMoure County is 53% lower than the North Dakota median.
The typical home in LaMoure County was built around 1965. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 44% of homes were built before 1960, about 21 points above North Dakota's 23%.
In LaMoure County, the housing stock is 88% single-family homes, 6% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 35% of owner-occupied homes in LaMoure County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in LaMoure County are owner-occupied.
Most homes in LaMoure County - 51% - are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for LaMoure County, per FEMA's National Risk Index, are winter weather (Relatively Moderate), hail (Relatively Low) and strong wind (Relatively Moderate).
As of September 2026, LaMoure County has 16 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $117,200 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Hail (Relatively Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 16 |
| Home insurance premium | $1,414 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)