Home Insurance in Pingree, North Dakota
The typical home in Pingree was built around 1976. About 43% of homes were built before 1960, about 9 points above Stutsman County's 34%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pingree is 62% single-family homes and 38% mobile or manufactured homes.
About 17% of owner-occupied homes in Pingree have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 94% of occupied homes in Pingree are owner-occupied. The vacancy rate is 47%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
81% of homes in Pingree are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Stutsman County's overall risk as Relatively Low, led by winter weather (Relatively High). 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 year built | 1976 |
|---|---|
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 17% |
| 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)