Home Insurance in Kensal, North Dakota
Homes in Kensal carry a median value of $118,800 - 43% lower than the Stutsman County median.
The median home in Kensal was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 74% of homes were built before 1960, about 40 points above Stutsman County's 34%.
In Kensal, the housing stock is 96% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Kensal, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 86% of occupied homes in Kensal are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Kensal, 42% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Stutsman County had 69 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). 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 home value | $118,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)