Home Insurance in Loraine, North Dakota
In Loraine, the housing stock is 100% single-family homes.
Almost no owner-occupied homes in Loraine carry a mortgage.
All occupied homes in Loraine are owner-occupied.
Most homes in Loraine - 100% - are primarily heated with electricity.
Renville County's top FEMA-rated hazard is winter weather (Relatively Low), per FEMA's National Risk Index. Renville County had 5 active NFIP flood policies as of September 2026. See the full Renville County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in North Dakota carries a statewide average premium of $1,414 per year.
Key figures
| Owner-occupied share | 100% |
|---|---|
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Winter Weather (Relatively Low) |
| Active NFIP policies in Renville County | 5 |
| 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)