Home Insurance in Elliott, North Dakota
With a median home value of $73,800, Elliott is 62% lower than the Ransom County median.
The typical home in Elliott was built around 1970. About 43% of homes were built before 1960, in line with Ransom County (43%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Elliott is 86% single-family homes and 14% mobile or manufactured homes.
About 15% of owner-occupied homes in Elliott have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 93% of occupied homes in Elliott are owner-occupied.
64% of homes in Elliott 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 Ransom County's overall risk as Very Low, led by winter weather (Relatively Moderate). Ransom County had 29 active NFIP flood policies as of September 2026. See the full Ransom 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 | $73,800 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 15% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Ransom County | 29 |
| 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)