Home Insurance in Cogswell, North Dakota
Homes in Cogswell carry a median value of $47,800 - 71% lower than the Sargent County median.
The typical home in Cogswell was built around 1968. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 38% of homes were built before 1960, about 3 points above Sargent County's 34%.
The housing stock in Cogswell is 64% single-family homes and 30% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Cogswell, about 16% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 72% of occupied homes in Cogswell are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
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. In Cogswell, 28% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Cogswell? FEMA's National Risk Index points to hail (Relatively Moderate) in Sargent County and Sargent County had 2 active NFIP flood policies as of September 2026. See the full Sargent 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 | $47,800 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 16% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Sargent County | 2 |
| 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)