Home Insurance in McVille, North Dakota
Homes in McVille carry a median value of $97,500 - 30% lower than the Nelson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in McVille was built around 1970. About 34% of homes were built before 1960, about 13 points below Nelson County's 46%.
The housing stock in McVille is 79% single-family homes, 11% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In McVille, about 32% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
McVille has an owner-occupancy rate of 72% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 54% of homes in McVille are primarily heated with electricity.
FEMA rates Nelson County's overall risk as Very Low, led by hail (Relatively Moderate). Nelson County has no active NFIP flood policies on file. See the full Nelson 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 | $97,500 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Hail (Relatively Moderate) |
| 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)