Home Insurance in Edinburg, North Dakota
With a median home value of $65,800, Edinburg is 50% 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 Edinburg was built around 1959. About 51% of homes were built before 1960, about 18 points above Walsh County's 34%.
In Edinburg, the housing stock is 93% single-family homes.
In Edinburg, about 22% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Edinburg has an owner-occupancy rate of 81% and a vacancy rate of 17%; 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 Edinburg, 42% of homes are primarily heated with electricity.
Walsh County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in North Dakota carries a statewide average premium of $1,414 per year.
Key figures
| Median home value | $65,800 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 22% |
| 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)