Home Insurance in Gladstone, North Dakota
With a median home value of $205,700, Gladstone is 24% lower than the Stark County median.
The typical home in Gladstone was built around 1984. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 34% of homes were built before 1960, about 15 points above Stark County's 19%.
In Gladstone, the housing stock is 76% single-family homes, 3% apartments in buildings with 5+ units and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 59% of owner-occupied homes in Gladstone have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 92% of occupied homes in Gladstone are owner-occupied. The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Gladstone - 69% - are primarily heated with natural gas.
Stark County had 97 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). See the full Stark 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 | $205,700 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Stark County | 97 |
| 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)