Home Insurance in McClusky, North Dakota
The median home value in McClusky is $76,400, 31% lower than the Sheridan County median.
The typical home in McClusky was built around 1967. About 42% of homes were built before 1960, in line with Sheridan County (42%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In McClusky, the housing stock is 73% single-family homes and 23% apartments in buildings with 5+ units.
39% of owner-occupied homes in McClusky carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in McClusky are owner-occupied.
In McClusky, 47% of homes are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Sheridan County has no active NFIP flood policies on file. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Sheridan 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 | $76,400 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Hail (Relatively Moderate) |
| 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)