Home Insurance in Hebron, North Dakota
The median home value in Hebron is $98,100, 63% lower than the Morton County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Hebron was built around 1953. About 62% of homes were built before 1960, about 42 points above Morton County's 21%.
The housing stock in Hebron is 88% single-family homes, 2% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Hebron, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hebron has an owner-occupancy rate of 76% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
Most homes in Hebron - 85% - are primarily heated with natural gas.
FEMA rates Morton County's overall risk as Relatively Low, led by hail (Relatively High). 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.
In North Dakota, the statewide average premium for a standard HO-3 homeowners policy is $1,414 per year (NAIC, 2023 data).
Key figures
| Median home value | $98,100 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)