HomeInsuranceQts

Home Insurance in Conway, North Dakota

The typical home in Conway was built around 1993. About 20% of homes were built before 1960, about 14 points below Walsh County's 34%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.

In Conway, the housing stock is 30% single-family homes and 70% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Conway, about 29% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Conway has an owner-occupancy rate of 100% and a vacancy rate of 77%; 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. Most homes in Conway - 86% - are primarily heated with propane.

Walsh County had 53 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Walsh 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 year built1993
Owner-occupied share100%
Share of owner-occupied homes with a mortgage29%
Top county hazardWinter Weather (Relatively High)
Active NFIP policies in Walsh County53
Home insurance premium$1,414 - statewide average (NAIC, 2023 data)
Key home insurance figures for Conway, ND

Nearby towns

Sources

Data last updated: 2026-09-29