Home Insurance in Tolna, North Dakota
Homes in Tolna carry a median value of $83,000 - 41% lower than the Nelson County median.
The typical home in Tolna was built around 1956. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 57% of homes were built before 1960, about 11 points above Nelson County's 46%.
Housing in Tolna breaks down to 78% single-family homes, 20% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 17% of owner-occupied homes in Tolna have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Tolna has an owner-occupancy rate of 58% and a vacancy rate of 11%; 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. Most homes in Tolna - 56% - are primarily heated with electricity.
What's the biggest home insurance risk near Tolna? FEMA's National Risk Index points to hail (Relatively Moderate) in Nelson County and 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.
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 | $83,000 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 17% |
| 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)