Home Insurance in Stutsman County, North Dakota
The median home value in Stutsman County is $208,400, 17% lower than the North Dakota median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Stutsman County was built around 1973. About 34% of homes were built before 1960, about 11 points above North Dakota's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Stutsman County is 63% single-family homes, 20% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
About 49% of owner-occupied homes in Stutsman County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 63% of occupied homes in Stutsman County are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Stutsman County, 49% of homes are primarily heated with natural gas.
Per FEMA's National Risk Index, Stutsman County's top hazards are winter weather (Relatively High), hail (Relatively Moderate) and wildfire (Relatively Low).
As of September 2026, Stutsman County has 69 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $208,400 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Hail (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 69 |
| Home insurance premium | $1,414 - statewide average (NAIC, 2023 data) |
Towns and cities
- Buchanan
- Cleveland
- Courtenay
- Jamestown
- Kensal
- Medina
- Montpelier
- Pingree
- Spiritwood Lake
- Streeter
- Woodworth
Sources
- 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)