Home Insurance in Traill County, North Dakota
With a median home value of $200,700, Traill County is 20% lower than the North Dakota median.
The typical home in Traill County was built around 1964. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 47% of homes were built before 1960, about 23 points above North Dakota's 23%.
In Traill County, the housing stock is 77% single-family homes, 13% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 54% of owner-occupied homes in Traill County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Traill County has an owner-occupancy rate of 74% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
35% of homes in Traill County 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.
Per FEMA's National Risk Index, Traill County's top hazards are hail (Relatively Moderate), winter weather (Relatively Moderate) and strong wind (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Traill County has 35 active NFIP flood policies on file.
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 | $200,700 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Winter Weather (Relatively Moderate), Strong Wind (Relatively Low) |
| Active NFIP flood policies (county) | 35 |
| Home insurance premium | $1,414 - statewide average (NAIC, 2023 data) |
Towns and cities
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)