Home Insurance in Deering, North Dakota
Homes in Deering carry a median value of $120,800 - 20% lower than the McHenry County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Deering was built around 1986. About 16% of homes were built before 1960, about 25 points below McHenry County's 41%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Deering is 50% single-family homes and 50% mobile or manufactured homes.
43% of owner-occupied homes in Deering carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
All occupied homes in Deering are owner-occupied. The vacancy rate is 36%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Deering - 79% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
McHenry County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. McHenry County had 34 active NFIP flood policies as of September 2026. See the full McHenry 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 | $120,800 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in McHenry County | 34 |
| 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)