Home Insurance in Great Bend, North Dakota
With a median home value of $68,800, Great Bend is 63% lower than the Richland County median.
The typical home in Great Bend was built around 1945. About 73% of homes were built before 1960, about 40 points above Richland County's 33%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Great Bend, the housing stock is 91% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Great Bend, about 29% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Great Bend has an owner-occupancy rate of 100% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Great Bend, 67% of homes 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.
What's the biggest home insurance risk near Great Bend? FEMA's National Risk Index points to winter weather (Relatively High) in Richland County and Richland County had 53 active NFIP flood policies as of September 2026. See the full Richland County home insurance overview for all FEMA hazard ratings and flood coverage details.
In North Dakota, the statewide average premium for a standard HO-3 homeowners policy is $1,414 per year (NAIC, 2023 data).
Key figures
| Median home value | $68,800 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Richland County | 53 |
| 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)