Home Insurance in Rolla, North Dakota
With a median home value of $151,500, Rolla is 46% higher than the Rolette County median.
The typical home in Rolla was built around 1976. About 14% of homes were built before 1960, in line with Rolette County (14%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Rolla is 56% single-family homes, 21% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
64% of owner-occupied homes in Rolla carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Rolla has an owner-occupancy rate of 47% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Rolla, 84% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Rolla? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Rolette County and 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.
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 home value | $151,500 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)