Home Insurance in Ashley, North Dakota
The median home value in Ashley is $58,900, 30% lower than the McIntosh County median.
The typical home in Ashley was built around 1953. About 69% of homes were built before 1960, about 11 points above McIntosh County's 58%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Ashley breaks down to 93% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 16% of owner-occupied homes in Ashley have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 73% of occupied homes in Ashley are owner-occupied. The vacancy rate is 32%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
38% of homes in Ashley are primarily heated with fuel oil. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Ashley? FEMA's National Risk Index points to winter weather (Relatively Moderate) in McIntosh County and McIntosh County had 2 active NFIP flood policies as of September 2026. See the full McIntosh County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $58,900 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 16% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in McIntosh County | 2 |
| 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)