Home Insurance in Cleveland, North Dakota
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Cleveland was built around 1971. About 24% of homes were built before 1960, about 10 points below Stutsman County's 34%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Cleveland is 53% single-family homes and 47% mobile or manufactured homes.
51% of owner-occupied homes in Cleveland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Cleveland has an owner-occupancy rate of 76% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
In Cleveland, 88% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Cleveland? FEMA's National Risk Index points to winter weather (Relatively High) in Stutsman County and Stutsman County had 69 active NFIP flood policies as of September 2026. See the full Stutsman County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 year built | 1971 |
|---|---|
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Stutsman County | 69 |
| 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)