Home Insurance in Stanton, North Dakota
Homes in Stanton carry a median value of $117,900 - 41% lower than the Mercer County median.
The typical home in Stanton was built around 1971. About 29% of homes were built before 1960, about 13 points above Mercer County's 16%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Stanton is 85% single-family homes, 6% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 29% of owner-occupied homes in Stanton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 89% of occupied homes in Stanton are owner-occupied.
52% of homes in Stanton are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Stanton? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Mercer County and Mercer County had 75 active NFIP flood policies as of September 2026. See the full Mercer 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 | $117,900 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Mercer County | 75 |
| 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)