Home Insurance in Steele County, North Dakota
The median home value in Steele County is $130,700, 48% lower than the North Dakota median.
The typical home in Steele County was built around 1968. About 41% of homes were built before 1960, about 18 points above North Dakota's 23%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Steele County is 82% single-family homes, 5% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
33% of owner-occupied homes in Steele County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Steele County are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Steele County, 43% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Steele County's top hazards are strong wind (Relatively Moderate), hail (Relatively Moderate) and winter weather (Relatively Low).
As of September 2026, Steele County has 2 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $130,700 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Moderate), Hail (Relatively Moderate), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 2 |
| Home insurance premium | $1,414 - statewide average (NAIC, 2023 data) |
Towns and cities
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)