Home Insurance in White Earth, North Dakota
The median home value in White Earth is $109,700, 53% lower than the Mountrail County median.
The typical home in White Earth was built around 1971. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 29% of homes were built before 1960, about 10 points above Mountrail County's 19%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in White Earth is 88% single-family homes and 12% mobile or manufactured homes.
Almost no owner-occupied homes in White Earth carry a mortgage.
White Earth has an owner-occupancy rate of 90% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In White Earth, 81% of homes are primarily heated with natural gas.
FEMA rates Mountrail County's overall risk as Very Low, led by winter weather (Relatively High). Mountrail County has no active NFIP flood policies on file. See the full Mountrail 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 | $109,700 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 0% |
| 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)