Home Insurance in Mandan, North Dakota
With a median home value of $259,800, Mandan is close to the Morton County median.
The typical home in Mandan was built around 1981. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 18% of homes were built before 1960, about 3 points below Morton County's 21%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Mandan is 61% single-family homes, 22% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
In Mandan, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 69% of occupied homes in Mandan are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Mandan, 78% of homes 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.
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 | $259,800 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)