Home Insurance in Amidon, North Dakota
With a median home value of $45,000, Amidon is 74% lower than the Slope County median.
The typical home in Amidon was built around 1958. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 56% of homes were built before 1960, about 6 points above Slope County's 49%.
In Amidon, the housing stock is 56% single-family homes and 44% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
Almost no owner-occupied homes in Amidon carry a mortgage.
The vacancy rate is 44%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Amidon are owner-occupied.
Most homes in Amidon - 60% - 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.
FEMA rates Slope County's overall risk as Very Low, led by wildfire (Very Low). Slope County had 1 active NFIP flood policy as of September 2026. See the full Slope 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 | $45,000 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in Slope County | 1 |
| 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)