Home Insurance in Mylo, North Dakota
The typical home in Mylo was built around 1975. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 7% of homes were built before 1960, about 7 points below Rolette County's 14%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Mylo is 50% single-family homes and 50% mobile or manufactured homes.
Almost no owner-occupied homes in Mylo carry a mortgage.
Mylo has an owner-occupancy rate of 12% and a vacancy rate of 43%; unoccupied homes typically need a different coverage form.
Most homes in Mylo - 100% - are primarily heated with electricity.
Rolette County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Rolette County had 3 active NFIP flood policies as of September 2026. See the full Rolette 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 year built | 1975 |
|---|---|
| Owner-occupied share | 12% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Rolette County | 3 |
| 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)