Home Insurance in St. John, North Dakota
The typical home in St. John was built around 1981. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 3% of homes were built before 1960, about 11 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 St. John is 59% single-family homes, 2% apartments in buildings with 5+ units and 39% mobile or manufactured homes.
About 21% of owner-occupied homes in St. John have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
St. John has an owner-occupancy rate of 69% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 49% of homes in St. John are primarily heated with propane.
Rolette County had 3 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). 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 year built | 1981 |
|---|---|
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 21% |
| 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)