Home Insurance in Medina, North Dakota
The median home value in Medina is $84,200, 60% lower than the Stutsman County median.
The typical home in Medina was built around 1961. About 49% of homes were built before 1960, about 15 points above Stutsman County's 34%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Medina, the housing stock is 89% single-family homes, 8% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Medina, about 26% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Medina are owner-occupied.
87% of homes in Medina are primarily heated with natural gas.
Stutsman County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. 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 home value | $84,200 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 26% |
| 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)