Home Insurance in Hatton, North Dakota
Homes in Hatton carry a median value of $140,800 - 30% lower than the Traill County median.
The typical home in Hatton was built around 1951. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 54% of homes were built before 1960, about 7 points above Traill County's 47%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hatton is 82% single-family homes, 12% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 64% of owner-occupied homes in Hatton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hatton has an owner-occupancy rate of 77% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Hatton, 42% of homes are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $140,800 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)