Home Insurance in Reynolds, North Dakota
The median home value in Reynolds is $167,300, 17% lower than the Traill County median.
The typical home in Reynolds was built around 1970. About 46% of homes were built before 1960, in line with Traill County (47%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Reynolds is 92% single-family homes, 4% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
68% of owner-occupied homes in Reynolds carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Reynolds has an owner-occupancy rate of 89% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
50% of homes in Reynolds 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.
Traill County had 35 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). 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 | $167,300 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)