Home Insurance in Taylor, North Dakota
The median home value in Taylor is $222,200, 18% lower than the Stark County median.
The typical home in Taylor was built around 1972. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 49% of homes were built before 1960, about 30 points above Stark County's 19%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Taylor is 73% single-family homes and 21% mobile or manufactured homes.
In Taylor, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Taylor has an owner-occupancy rate of 93% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
In Taylor, 73% of homes 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 | $222,200 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)