Home Insurance in McKenzie County, North Dakota
With a median home value of $349,600, McKenzie County is 40% higher than the North Dakota median.
The typical home in McKenzie County was built around 2011. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 11% of homes were built before 1960, about 13 points below North Dakota's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in McKenzie County is 51% single-family homes, 27% apartments in buildings with 5+ units and 19% mobile or manufactured homes.
About 50% of owner-occupied homes in McKenzie County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
McKenzie County has an owner-occupancy rate of 53% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
In McKenzie County, 60% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, McKenzie County's top hazards are winter weather (Relatively High), hail (Relatively Moderate) and wildfire (Relatively Low).
McKenzie County had 35 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $349,600 |
|---|---|
| Median year built | 2011 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Hail (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 35 |
| Home insurance premium | $1,414 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)