Home Insurance in Adams, North Dakota
With a median home value of $57,000, Adams is 57% lower than the Walsh County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Adams was built around 1962. About 46% of homes were built before 1960, about 12 points above Walsh County's 34%.
The housing stock in Adams is 84% single-family homes and 6% 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.
27% of owner-occupied homes in Adams carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 34%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Adams are owner-occupied.
48% of homes in Adams are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Walsh County's overall risk as Very Low, led by winter weather (Relatively High). Walsh County had 53 active NFIP flood policies as of September 2026. See the full Walsh 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 | $57,000 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Walsh County | 53 |
| 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)