Home Insurance in Mayville, North Dakota
The median home value in Mayville is $198,200, close to the Traill County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Mayville was built around 1969. About 39% of homes were built before 1960, about 7 points below Traill County's 47%.
In Mayville, the housing stock is 56% single-family homes, 25% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
63% of owner-occupied homes in Mayville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 48% of occupied homes in Mayville are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 44% of homes in Mayville are primarily heated with electricity.
What's the biggest home insurance risk near Mayville? 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 | $198,200 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 48% |
| 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)