Home Insurance in Edgeley, North Dakota
The median home value in Edgeley is $110,700, 6% lower than the LaMoure County median.
The typical home in Edgeley was built around 1964. About 46% of homes were built before 1960, about 2 points above LaMoure County's 44%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Edgeley breaks down to 85% single-family homes, 11% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 38% of owner-occupied homes in Edgeley have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Edgeley are owner-occupied.
Most homes in Edgeley - 64% - 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.
LaMoure County had 16 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full LaMoure 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 | $110,700 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in LaMoure County | 16 |
| 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)