Home Insurance in Pembina County, North Dakota
Homes in Pembina County carry a median value of $119,200 - 52% lower than the North Dakota median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Pembina County was built around 1969. About 38% of homes were built before 1960, about 15 points above North Dakota's 23%.
In Pembina County, the housing stock is 82% single-family homes, 9% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 36% of owner-occupied homes in Pembina County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 75% of occupied homes in Pembina County are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
31% of homes in Pembina County are primarily heated with natural gas. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists winter weather (Relatively Moderate), wildfire (Relatively Low) and hail (Relatively Low) as the leading hazards for Pembina County.
As of September 2026, Pembina County has 148 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $119,200 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Wildfire (Relatively Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 148 |
| Home insurance premium | $1,414 - statewide average (NAIC, 2023 data) |
Towns and cities
- Bathgate
- Canton City (Hensel)
- Cavalier
- Crystal
- Drayton
- Hamilton
- Mountain
- Neche
- Pembina
- St. Thomas
- Walhalla
Sources
- 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)