Home Insurance in Wahpeton, North Dakota
Homes in Wahpeton carry a median value of $171,300 - 7% lower than the Richland County median.
The typical home in Wahpeton was built around 1975. About 23% of homes were built before 1960, about 10 points below Richland County's 33%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Wahpeton is 49% single-family homes, 43% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Wahpeton, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Wahpeton has an owner-occupancy rate of 45% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
51% of homes in Wahpeton are primarily heated with electricity.
FEMA rates Richland County's overall risk as Very Low, led by winter weather (Relatively High). 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 | $171,300 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)