Home Insurance in Wyndmere, North Dakota
The median home value in Wyndmere is $162,900, 11% lower than the Richland County median.
The typical home in Wyndmere was built around 1966. About 44% of homes were built before 1960, about 11 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 Wyndmere, the housing stock is 91% single-family homes, 6% 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.
47% of owner-occupied homes in Wyndmere carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 87% of occupied homes in Wyndmere are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Wyndmere - 61% - are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $162,900 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)