Home Insurance in Buxton, North Dakota
The median home value in Buxton is $177,500, 12% lower than the Traill County median.
The typical home in Buxton was built around 1975. About 36% of homes were built before 1960, about 11 points below Traill County's 47%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Buxton, the housing stock is 80% single-family homes, 8% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 63% of owner-occupied homes in Buxton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 86% of occupied homes in Buxton are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Buxton, 53% of homes are primarily heated with propane. Homes heated with propane 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 Buxton? FEMA's National Risk Index points to hail (Relatively Moderate) in Traill County and Traill County had 35 active NFIP flood policies as of September 2026. See the full Traill 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 | $177,500 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Traill County | 35 |
| 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)