Home Insurance in Coleharbor, North Dakota
The median home value in Coleharbor is $166,700, 27% lower than the McLean County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Coleharbor was built around 1955. About 64% of homes were built before 1960, about 35 points above McLean County's 29%.
In Coleharbor, the housing stock is 100% single-family homes.
28% of owner-occupied homes in Coleharbor carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Coleharbor are owner-occupied.
Most homes in Coleharbor - 57% - are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
McLean County had 2 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full McLean 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 | $166,700 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 28% |
| 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)