Home Insurance in Riverdale, North Dakota
The median home value in Riverdale is $222,700, close to the McLean County median.
The typical home in Riverdale was built around 1957. About 55% of homes were built before 1960, about 26 points above McLean County's 29%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Riverdale is 89% single-family homes and 7% mobile or manufactured homes.
35% of owner-occupied homes in Riverdale carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 57%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Riverdale are owner-occupied.
Most homes in Riverdale - 91% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $222,700 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 35% |
| 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)