HomeInsuranceQts

Home Insurance in Mercer, North Dakota

Homes in Mercer carry a median value of $84,300 - 63% lower than the McLean County median.

Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Mercer was built around 1959. About 52% of homes were built before 1960, about 23 points above McLean County's 29%.

The housing stock in Mercer is 87% single-family homes and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

25% of owner-occupied homes in Mercer carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

All occupied homes in Mercer are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 90% of homes in Mercer are primarily heated with propane.

FEMA rates McLean County's overall risk as Relatively Low, led by winter weather (Relatively High). 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$84,300
Median year built1959
Owner-occupied share100%
Share of owner-occupied homes with a mortgage25%
Top county hazardWinter Weather (Relatively High)
Active NFIP policies in McLean County2
Home insurance premium$1,414 - statewide average (NAIC, 2023 data)
Key home insurance figures for Mercer, ND

Nearby towns

Sources

Data last updated: 2026-09-29