Home Insurance in Logan County, North Dakota
The median home value in Logan County is $102,000, 59% lower than the North Dakota median.
The typical home in Logan County was built around 1967. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 41% of homes were built before 1960, about 18 points above North Dakota's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Logan County is 91% single-family homes, 3% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
In Logan County, about 30% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Logan County has an owner-occupancy rate of 83% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Logan County, 43% of homes are primarily heated with electricity.
FEMA's National Risk Index lists winter weather (Relatively Moderate), hail (Relatively Low) and wildfire (Very Low) as the leading hazards for Logan County.
As of September 2026, Logan County has 1 active NFIP flood insurance policy. 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 | $102,000 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Hail (Relatively Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 1 |
| 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)