Home Insurance in Max, North Dakota
The median home value in Max is $137,500, 39% 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 Max was built around 1973. About 42% of homes were built before 1960, about 13 points above McLean County's 29%.
The housing stock in Max is 81% single-family homes and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
51% of owner-occupied homes in Max carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 89% of occupied homes in Max are owner-occupied.
Most homes in Max - 79% - 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.
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 | $137,500 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)