Home Insurance in Devils Lake, North Dakota
Homes in Devils Lake carry a median value of $164,900 - 17% lower than the Ramsey County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Devils Lake was built around 1976. About 23% of homes were built before 1960, about 2 points below Ramsey County's 25%.
In Devils Lake, the housing stock is 42% single-family homes, 39% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 47% of owner-occupied homes in Devils Lake have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 39% of occupied homes in Devils Lake are owner-occupied.
In Devils Lake, 50% of homes are primarily heated with electricity.
Ramsey County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Ramsey County had 39 active NFIP flood policies as of September 2026. See the full Ramsey 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 | $164,900 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 39% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Ramsey County | 39 |
| 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)