Home Insurance in Napoleon, North Dakota
Homes in Napoleon carry a median value of $87,700 - 14% lower than the Logan County median.
The typical home in Napoleon was built around 1968. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 39% of homes were built before 1960, about 2 points below Logan County's 41%.
Housing in Napoleon breaks down to 91% single-family homes, 5% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Napoleon, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Napoleon has an owner-occupancy rate of 81% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
In Napoleon, 48% 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.
FEMA rates Logan County's overall risk as Very Low, led by winter weather (Relatively Moderate). 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 | $87,700 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)