Home Insurance in Zeeland, North Dakota
The median home value in Zeeland is $24,300, 71% lower than the McIntosh County median.
The typical home in Zeeland was built around 1949. About 59% of homes were built before 1960, about 2 points above McIntosh County's 58%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Zeeland is 92% single-family homes and 8% mobile or manufactured homes.
In Zeeland, about 5% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 41%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 92% of occupied homes in Zeeland are owner-occupied.
In Zeeland, 62% of homes are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $24,300 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 5% |
| 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)