Home Insurance in Fort Yates, North Dakota
Homes in Fort Yates carry a median value of $129,200 - 51% higher than the Sioux County median.
The typical home in Fort Yates was built around 2000. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 20% of homes were built before 1960, about 7 points above Sioux County's 13%.
In Fort Yates, the housing stock is 73% single-family homes and 27% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 20% of owner-occupied homes in Fort Yates have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 95% of occupied homes in Fort Yates are owner-occupied.
Most homes in Fort Yates - 76% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Fort Yates? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Sioux County and Sioux County had 3 active NFIP flood policies as of September 2026. See the full Sioux 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 | $129,200 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 20% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Sioux County | 3 |
| 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)