Home Insurance in Streeter, North Dakota
The median home value in Streeter is $56,500, 73% lower than the Stutsman County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Streeter was built in 1939 or earlier. About 80% of homes were built before 1960, about 46 points above Stutsman County's 34%.
In Streeter, the housing stock is 92% single-family homes, 6% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
11% of owner-occupied homes in Streeter carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Streeter has an owner-occupancy rate of 81% and a vacancy rate of 32%; unoccupied homes typically need a different coverage form.
In Streeter, 55% of homes are primarily heated with fuel oil. Homes heated with propane, fuel oil and wood 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in North Dakota carries a statewide average premium of $1,414 per year.
Key figures
| Median home value | $56,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 11% |
| 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)