Home Insurance in Jud, North Dakota
Homes in Jud carry a median value of $68,800 - 41% lower than the LaMoure County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Jud was built around 1955. About 55% of homes were built before 1960, about 11 points above LaMoure County's 44%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Jud is 83% single-family homes and 14% mobile or manufactured homes.
Almost no owner-occupied homes in Jud carry a mortgage.
The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 95% of occupied homes in Jud are owner-occupied.
82% of homes in Jud 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.
LaMoure County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. LaMoure County had 16 active NFIP flood policies as of September 2026. 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 | $68,800 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 0% |
| 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)