Home Insurance in Rutland, North Dakota
The median home value in Rutland is $75,000, 54% lower than the Sargent County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Rutland was built around 1943. About 59% of homes were built before 1960, about 25 points above Sargent County's 34%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Rutland is 80% single-family homes, 6% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
39% of owner-occupied homes in Rutland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Rutland has an owner-occupancy rate of 84% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
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 Rutland, 58% of homes are primarily heated with propane.
Sargent County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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.
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 home value | $75,000 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)