Home Insurance in Sheldon, North Dakota
Homes in Sheldon carry a median value of $57,500 - 70% lower than the Ransom County median.
The typical home in Sheldon was built around 1944. About 84% of homes were built before 1960, about 41 points above Ransom County's 43%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Sheldon is 86% single-family homes and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Sheldon, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
All occupied homes in Sheldon are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
43% of homes in Sheldon are primarily heated with fuel oil. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Sheldon? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Ransom County and 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 | $57,500 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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)