Home Insurance in Egeland, North Dakota
Homes in Egeland carry a median value of $55,000 - 59% lower than the Towner County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Egeland was built around 1967. About 30% of homes were built before 1960, about 5 points below Towner County's 35%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Egeland is 91% single-family homes and 9% mobile or manufactured homes.
In Egeland, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 66%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Egeland are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Egeland, 93% of homes are primarily heated with electricity.
Towner County has no active NFIP flood policies on file. Its top FEMA-rated hazard is wildfire (Very Low). See the full Towner 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 | $55,000 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Wildfire (Very Low) |
| 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)