Home Insurance in Hampden, North Dakota
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Hampden was built around 1965. About 37% of homes were built before 1960, about 12 points above Ramsey County's 25%.
Housing in Hampden breaks down to 81% single-family homes. The rest are 2-4 unit or other housing types.
Almost no owner-occupied homes in Hampden carry a mortgage.
Hampden has an owner-occupancy rate of 43% and a vacancy rate of 48%; unoccupied homes typically need a different coverage form.
In Hampden, 36% of homes are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Ramsey County's overall risk as Very Low, led by winter weather (Relatively High). 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 year built | 1965 |
|---|---|
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 0% |
| 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)