Home Insurance in Mantador, North Dakota
The typical home in Mantador was built around 1942. About 73% of homes were built before 1960, about 40 points above Richland County's 33%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Mantador is 86% single-family homes and 14% mobile or manufactured homes.
About 20% of owner-occupied homes in Mantador have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Mantador has an owner-occupancy rate of 100% and a vacancy rate of 9%; 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. In Mantador, 40% of homes are primarily heated with propane.
Richland County had 53 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Richland County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 year built | 1942 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 20% |
| 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)