Home Insurance in Lidgerwood, North Dakota
With a median home value of $80,200, Lidgerwood is 56% lower than the Richland County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Lidgerwood was built around 1956. About 54% of homes were built before 1960, about 21 points above Richland County's 33%.
The housing stock in Lidgerwood is 77% single-family homes, 19% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
35% of owner-occupied homes in Lidgerwood carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lidgerwood has an owner-occupancy rate of 76% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Lidgerwood - 53% - are primarily heated with electricity.
Richland County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. 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.
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 | $80,200 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 35% |
| 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)