Home Insurance in St. Thomas, North Dakota
With a median home value of $79,300, St. Thomas is 33% lower than the Pembina County median.
The typical home in St. Thomas was built around 1958. About 54% of homes were built before 1960, about 16 points above Pembina County's 38%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In St. Thomas, the housing stock is 88% single-family homes, 2% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In St. Thomas, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
St. Thomas has an owner-occupancy rate of 85% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 56% of homes in St. Thomas are primarily heated with propane.
What's the biggest home insurance risk near St. Thomas? 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in North Dakota carries a statewide average premium of $1,414 per year.
Key figures
| Median home value | $79,300 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)