Home Insurance in Lehr, North Dakota
The median home value in Lehr is $46,300, 45% lower than the McIntosh County median.
The typical home in Lehr was built around 1945. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 72% of homes were built before 1960, about 14 points above McIntosh County's 58%.
The housing stock in Lehr is 79% single-family homes and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 29% of owner-occupied homes in Lehr have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 88% of occupied homes in Lehr are owner-occupied. The vacancy rate is 53%; 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. 42% of homes in Lehr are primarily heated with electricity.
FEMA rates McIntosh County's overall risk as Very Low, led by winter weather (Relatively Moderate). 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.
In North Dakota, the statewide average premium for a standard HO-3 homeowners policy is $1,414 per year (NAIC, 2023 data).
Key figures
| Median home value | $46,300 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 29% |
| 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)