Home Insurance in Canton City (Hensel), North Dakota
With a median home value of $26,300, Canton City (Hensel) is 78% lower than the Pembina County median.
The typical home in Canton City (Hensel) was built around 1955. About 69% of homes were built before 1960, about 30 points above Pembina County's 38%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Canton City (Hensel) is 100% single-family homes.
Almost no owner-occupied homes in Canton City (Hensel) carry a mortgage.
The vacancy rate is 34%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Canton City (Hensel) are owner-occupied.
Most homes in Canton City (Hensel) - 53% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Canton City (Hensel)? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Pembina County and Pembina County had 148 active NFIP flood policies as of September 2026. See the full Pembina 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 | $26,300 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Pembina County | 148 |
| 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)