Home Insurance in Starkweather, North Dakota
Homes in Starkweather carry a median value of $55,000 - 72% lower than the Ramsey County median.
The typical home in Starkweather was built around 1970. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 47% of homes were built before 1960, about 22 points above Ramsey County's 25%.
In Starkweather, the housing stock is 66% single-family homes and 34% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Starkweather, about 19% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 47%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Starkweather are owner-occupied.
In Starkweather, 48% of homes are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
In North Dakota, the statewide average premium for a standard HO-3 homeowners policy is $1,414 per year (NAIC, 2023 data).
Key figures
| Median home value | $55,000 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 19% |
| 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)