Home Insurance in Marion, North Dakota
The median home value in Marion is $119,400, close to the LaMoure County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Marion was built around 1975. About 33% of homes were built before 1960, about 11 points below LaMoure County's 44%.
In Marion, the housing stock is 86% single-family homes, 1% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Marion, about 10% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 87% of occupied homes in Marion are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Marion, 52% of homes are primarily heated with propane. 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 | $119,400 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 10% |
| 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)