Home Insurance in Wilton, North Dakota
The median home value in Wilton is $215,900, close to the McLean County median.
The typical home in Wilton was built around 1973. About 41% of homes were built before 1960, about 12 points above McLean County's 29%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Wilton breaks down to 81% single-family homes, 15% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 61% of owner-occupied homes in Wilton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Wilton are owner-occupied.
In Wilton, 72% 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.
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 | $215,900 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)