Home Insurance in Marmarth, North Dakota
With a median home value of $48,100, Marmarth is 72% lower than the Slope County median.
The median home in Marmarth was built in 1939 or earlier. About 89% of homes were built before 1960, about 39 points above Slope County's 49%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Marmarth, the housing stock is 98% single-family homes and 2% mobile or manufactured homes.
About 11% of owner-occupied homes in Marmarth have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 70% of occupied homes in Marmarth are owner-occupied. The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Marmarth, 97% of homes are primarily heated with natural gas.
Slope County had 1 active NFIP flood policy as of September 2026. Its top FEMA-rated hazard is wildfire (Very Low). See the full Slope County home insurance overview for all FEMA hazard ratings and flood coverage details.
In North Dakota, the statewide average premium for a standard HO-3 homeowners policy is $1,414 per year (NAIC, 2023 data).
Key figures
| Median home value | $48,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 11% |
| 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)