Home Insurance in Sioux County, North Dakota
Homes in Sioux County carry a median value of $85,400 - 66% lower than the North Dakota median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Sioux County was built around 1984. About 13% of homes were built before 1960, about 10 points below North Dakota's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Sioux County is 81% single-family homes, 2% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
16% of owner-occupied homes in Sioux County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 47% of occupied homes in Sioux County are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Sioux County - 73% - are primarily heated with propane.
FEMA's National Risk Index lists winter weather (Relatively Moderate), wildfire (Relatively Low) and hail (Relatively Moderate) as the leading hazards for Sioux County.
Sioux County had 3 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $85,400 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 16% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Wildfire (Relatively Low), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 3 |
| 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)