Home Insurance in Cavalier, North Dakota
The median home value in Cavalier is $170,400, 43% higher than the Pembina County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Cavalier was built around 1973. About 31% of homes were built before 1960, about 7 points below Pembina County's 38%.
The housing stock in Cavalier is 68% single-family homes, 18% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 42% of owner-occupied homes in Cavalier have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 51% of occupied homes in Cavalier are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Cavalier - 59% - are primarily heated with natural gas.
What's the biggest home insurance risk near Cavalier? 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.
In North Dakota, the statewide average premium for a standard HO-3 homeowners policy is $1,414 per year (NAIC, 2023 data).
Key figures
| Median home value | $170,400 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)