Home Insurance in Towner County, North Dakota
The median home value in Towner County is $134,800, 46% lower than the North Dakota median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Towner County was built around 1969. About 35% of homes were built before 1960, about 12 points above North Dakota's 23%.
Housing in Towner County breaks down to 81% single-family homes, 12% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
25% of owner-occupied homes in Towner County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Towner County are owner-occupied.
Most homes in Towner County - 58% - 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.
The top hazards for Towner County, per FEMA's National Risk Index, are wildfire (Very Low), winter weather (Relatively Low) and hail (Very Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. Towner County has no active NFIP flood policies on file.
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 | $134,800 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top hazards (FEMA National Risk Index) | Wildfire (Very Low), Winter Weather (Relatively Low), Hail (Very Low) |
| Home insurance premium | $1,414 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Hansboro
- Owner-occupied share: 33%
- Share of owner-occupied homes with a mortgage: 0%
-
Perth
- Owner-occupied share: 100%
- Share of owner-occupied homes with a mortgage: 0%
Sources
- 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)