Home Insurance in Slope County, North Dakota
Homes in Slope County carry a median value of $170,000 - 32% lower than the North Dakota median.
The typical home in Slope County was built around 1961. About 49% of homes were built before 1960, about 26 points above North Dakota's 23%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Slope County is 90% single-family homes and 10% mobile or manufactured homes.
20% of owner-occupied homes in Slope County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Slope County has an owner-occupancy rate of 81% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in Slope County - 53% - 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.
The top hazards for Slope County, per FEMA's National Risk Index, are wildfire (Very Low), hail (Very Low) and winter weather (Very Low).
Slope County had 1 active National Flood Insurance Program policy as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in North Dakota is $1,414 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $170,000 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 20% |
| Top hazards (FEMA National Risk Index) | Wildfire (Very Low), Hail (Very Low), Winter Weather (Very Low) |
| Active NFIP flood policies (county) | 1 |
| 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)