Home Insurance in Garrison, North Dakota
With a median home value of $165,800, Garrison is 27% lower than the McLean County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Garrison was built around 1967. About 41% of homes were built before 1960, about 12 points above McLean County's 29%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Garrison is 74% single-family homes, 12% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
About 45% of owner-occupied homes in Garrison have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 81% of occupied homes in Garrison are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Garrison, 76% of homes are primarily heated with natural gas.
McLean County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. 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.
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 | $165,800 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)