Home Insurance in Courtenay, North Dakota
With a median home value of $137,500, Courtenay is 34% lower than the Stutsman County median.
The median home in Courtenay was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 58% of homes were built before 1960, about 24 points above Stutsman County's 34%.
The housing stock in Courtenay is 89% single-family homes and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Courtenay, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Courtenay has an owner-occupancy rate of 100% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 67% of homes in Courtenay are primarily heated with propane.
What's the biggest home insurance risk near Courtenay? 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.
The statewide average premium for a standard HO-3 homeowners policy in North Dakota is $1,414 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $137,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 28% |
| 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)