Home Insurance in Sargent County, North Dakota
Homes in Sargent County carry a median value of $163,200 - 35% lower than the North Dakota median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Sargent County was built around 1975. About 34% of homes were built before 1960, about 11 points above North Dakota's 23%.
In Sargent County, the housing stock is 74% single-family homes, 11% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Sargent County, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Sargent County are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Sargent County, 45% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Sargent County's top hazards are hail (Relatively Moderate), winter weather (Relatively Moderate) and strong wind (Relatively Moderate).
As of September 2026, Sargent County has 2 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $163,200 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Winter Weather (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 2 |
| Home insurance premium | $1,414 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)