Home Insurance in Walsh County, North Dakota
The median home value in Walsh County is $132,700, 47% lower than the North Dakota median.
The typical home in Walsh County was built around 1971. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 34% of homes were built before 1960, about 10 points above North Dakota's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Walsh County is 78% single-family homes, 11% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
38% of owner-occupied homes in Walsh County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Walsh County has an owner-occupancy rate of 76% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Walsh County, 40% of homes are primarily heated with natural gas.
Per FEMA's National Risk Index, Walsh County's top hazards are winter weather (Relatively High), wildfire (Relatively Low) and hail (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Walsh County has 53 active NFIP flood policies on file.
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 | $132,700 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Wildfire (Relatively Low), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 53 |
| Home insurance premium | $1,414 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Ardoch
- Median year built: 1976
- Owner-occupied share: 91%
- Share of owner-occupied homes with a mortgage: 0%
-
Hoople
- Median home value: $100,000
- Median year built: 1964
- Owner-occupied share: 94%
-
Minto
- Median home value: $109,300
- Median year built: 1977
- Owner-occupied share: 93%
Sources
- 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)