Home Insurance in Butte, North Dakota
The median home value in Butte is $137,500, 39% lower than the McLean County median.
The typical home in Butte was built around 1953. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 60% of homes were built before 1960, about 31 points above McLean County's 29%.
The housing stock in Butte is 82% single-family homes and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 3% of owner-occupied homes in Butte have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Butte has an owner-occupancy rate of 95% and a vacancy rate of 49%; 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 Butte, 54% of homes are primarily heated with propane.
What's the biggest home insurance risk near Butte? FEMA's National Risk Index points to winter weather (Relatively High) in McLean County and McLean County had 2 active NFIP flood policies as of September 2026. See the full McLean 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 | $137,500 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 3% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in McLean 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)