Home Insurance in Fredonia, North Dakota
With a median home value of $57,100, Fredonia is 44% lower than the Logan County median.
The typical home in Fredonia was built around 1952. About 62% of homes were built before 1960, about 21 points above Logan County's 41%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Fredonia is 88% single-family homes and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 18% of owner-occupied homes in Fredonia have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
All occupied homes in Fredonia are owner-occupied. The vacancy rate is 31%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Fredonia - 55% - are primarily heated with fuel oil.
Logan County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Logan County had 1 active NFIP flood policy as of September 2026. See the full Logan County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in North Dakota carries a statewide average premium of $1,414 per year.
Key figures
| Median home value | $57,100 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 18% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Logan County | 1 |
| 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)