Home Insurance in Turtle Lake, North Dakota
Homes in Turtle Lake carry a median value of $120,100 - 47% lower than the McLean County median.
The typical home in Turtle Lake was built around 1971. About 33% of homes were built before 1960, about 4 points above McLean County's 29%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Turtle Lake is 87% single-family homes, 3% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 42% of owner-occupied homes in Turtle Lake have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Turtle Lake has an owner-occupancy rate of 81% and a vacancy rate of 31%; unoccupied homes typically need a different coverage form.
75% of homes in Turtle Lake are primarily heated with natural gas.
What's the biggest home insurance risk near Turtle Lake? FEMA's National Risk Index points to winter weather (Relatively High) in McLean County and 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 | $120,100 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)