Home Insurance in Neche, North Dakota
With a median home value of $92,500, Neche is 22% lower than the Pembina County median.
The typical home in Neche was built around 1965. About 39% of homes were built before 1960, in line with Pembina County (38%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Neche is 96% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
23% of owner-occupied homes in Neche carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 94% of occupied homes in Neche are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 54% of homes in Neche are primarily heated with propane.
FEMA rates Pembina County's overall risk as Very Low, led by winter weather (Relatively Moderate). 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 | $92,500 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 23% |
| 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)