Home Insurance in Galesburg, North Dakota
The median home value in Galesburg is $167,200, 17% lower than the Traill 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 Galesburg was built around 1964. About 36% of homes were built before 1960, about 10 points below Traill County's 47%.
The housing stock in Galesburg is 66% single-family homes and 34% apartments in buildings with 5+ units.
32% of owner-occupied homes in Galesburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 89% of occupied homes in Galesburg are owner-occupied. The vacancy rate is 36%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Galesburg, 54% of homes are primarily heated with propane.
Traill County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $167,200 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 32% |
| 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)