Home Insurance in South Heart, North Dakota
With a median home value of $324,500, South Heart is 19% higher than the Stark County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in South Heart was built around 1998. About 33% of homes were built before 1960, about 14 points above Stark County's 19%.
The housing stock in South Heart is 80% single-family homes and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 54% of owner-occupied homes in South Heart have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
South Heart has an owner-occupancy rate of 85% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
63% of homes in South Heart are primarily heated with natural gas.
Stark County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. Stark County had 97 active NFIP flood policies as of September 2026. 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 | $324,500 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)