Home Insurance in Berthold, North Dakota
The median home value in Berthold is $180,000, 33% lower than the Ward County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Berthold was built around 1975. About 30% of homes were built before 1960, about 8 points above Ward County's 22%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Berthold is 72% single-family homes and 19% mobile or manufactured homes.
In Berthold, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Berthold has an owner-occupancy rate of 86% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
86% of homes in Berthold are primarily heated with natural gas.
What's the biggest home insurance risk near Berthold? FEMA's National Risk Index points to winter weather (Very High) in Ward County and Ward County had 1,181 active NFIP flood policies as of September 2026. See the full Ward 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 home value | $180,000 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Ward County | 1,181 |
| 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)