Home Insurance in Crystal, North Dakota
Homes in Crystal carry a median value of $67,600 - 43% lower than the Pembina County median.
The typical home in Crystal was built around 1972. About 37% of homes were built before 1960, about 1 point below Pembina County's 38%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Crystal, the housing stock is 87% single-family homes and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 9% of owner-occupied homes in Crystal have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 98% of occupied homes in Crystal are owner-occupied.
In Crystal, 48% of homes are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Pembina County had 148 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). 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 | $67,600 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 9% |
| 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)