Home Insurance in Ross, North Dakota
With a median home value of $180,000, Ross is 23% lower than the Mountrail County median.
The typical home in Ross was built around 1971. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 37% of homes were built before 1960, about 18 points above Mountrail County's 19%.
The housing stock in Ross is 37% single-family homes, 16% apartments in buildings with 5+ units and 47% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 81% of owner-occupied homes in Ross have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 54%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 24% of occupied homes in Ross are owner-occupied.
Most homes in Ross - 82% - are primarily heated with natural gas.
Mountrail County has no active NFIP flood policies on file. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Mountrail 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 | $180,000 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 24% |
| Share of owner-occupied homes with a mortgage | 81% |
| Top county hazard | Winter Weather (Relatively High) |
| 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)