Home Insurance in Almont, North Dakota
The median home value in Almont is $48,100, 82% lower than the Morton County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Almont was built around 1947. About 67% of homes were built before 1960, about 46 points above Morton County's 21%.
The housing stock in Almont is 88% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Almont, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 95% of occupied homes in Almont are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Almont, 87% of homes are primarily heated with propane.
Morton County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Morton County had 155 active NFIP flood policies as of September 2026. See the full Morton 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 | $48,100 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Morton County | 155 |
| 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)