Home Insurance in McHenry County, North Dakota
With a median home value of $151,000, McHenry County is 40% lower than the North Dakota median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in McHenry County was built around 1966. About 41% of homes were built before 1960, about 18 points above North Dakota's 23%.
The housing stock in McHenry County is 84% single-family homes, 4% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In McHenry County, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
McHenry County has an owner-occupancy rate of 81% and a vacancy rate of 21%; 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. 42% of homes in McHenry County are primarily heated with propane.
Per FEMA's National Risk Index, McHenry County's top hazards are winter weather (Relatively High), wildfire (Relatively Low) and hail (Relatively Low).
As of September 2026, McHenry County has 34 active NFIP flood insurance policies. 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 | $151,000 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Wildfire (Relatively Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 34 |
| 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)