Home Insurance in Wishek, North Dakota
With a median home value of $100,600, Wishek is 19% higher than the McIntosh County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Wishek was built around 1968. About 38% of homes were built before 1960, about 20 points below McIntosh County's 58%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Wishek is 84% single-family homes, 8% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
About 36% of owner-occupied homes in Wishek have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Wishek has an owner-occupancy rate of 80% and a vacancy rate of 15%; 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. In Wishek, 49% of homes are primarily heated with electricity.
McIntosh County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. 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 | $100,600 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)