Home Insurance in Zap, North Dakota
Homes in Zap carry a median value of $91,300 - 54% lower than the Mercer County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Zap was built around 1970. About 36% of homes were built before 1960, about 20 points above Mercer County's 16%.
In Zap, the housing stock is 70% single-family homes, 12% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Zap, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 42%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Zap are owner-occupied.
Most homes in Zap - 82% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Mercer County's overall risk as Very Low, led by winter weather (Relatively Moderate). 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.
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 | $91,300 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 35% |
| 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)