Home Insurance in Mohall, North Dakota
Homes in Mohall carry a median value of $168,500 - close to the Renville County median.
The typical home in Mohall was built around 1965. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 44% of homes were built before 1960, about 10 points above Renville County's 35%.
The housing stock in Mohall is 70% single-family homes, 2% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Mohall, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Mohall has an owner-occupancy rate of 68% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 57% of homes in Mohall 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
| Median home value | $168,500 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)