Home Insurance in Rocklake, North Dakota
With a median home value of $67,000, Rocklake is 50% lower than the Towner County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Rocklake was built around 1971. About 27% of homes were built before 1960, about 8 points below Towner County's 35%.
In Rocklake, the housing stock is 75% single-family homes, 7% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Rocklake, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Rocklake are owner-occupied.
In Rocklake, 75% of homes are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Rocklake? FEMA's National Risk Index points to wildfire (Very Low) in Towner County and Towner County has no active NFIP flood policies on file. See the full Towner 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 home value | $67,000 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)