Home Insurance in Richland County, North Dakota
Homes in Richland County carry a median value of $183,600 - 27% lower than the North Dakota median.
The typical home in Richland County was built around 1972. About 33% of homes were built before 1960, about 10 points above North Dakota's 23%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Richland County, the housing stock is 70% single-family homes, 23% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
45% of owner-occupied homes in Richland County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Richland County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Richland County, 48% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Richland County's top hazards are winter weather (Relatively High), hail (Relatively Moderate) and wildfire (Very Low).
Richland County had 53 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $183,600 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Hail (Relatively Moderate), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 53 |
| Home insurance premium | $1,414 - statewide average (NAIC, 2023 data) |
Towns and cities
- Abercrombie
- Barney
- Christine
- Colfax
- Dwight
- Fairmount
- Great Bend
- Hankinson
- Lidgerwood
- Mantador
- Mooreton
- Wahpeton
- Walcott
- Wyndmere
Sources
- 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)