Home Insurance in Des Lacs, North Dakota
The median home value in Des Lacs is $130,000, 51% lower than the Ward County median.
The typical home in Des Lacs was built around 1971. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 36% of homes were built before 1960, about 15 points above Ward County's 22%.
In Des Lacs, the housing stock is 62% single-family homes and 38% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Des Lacs, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 98% of occupied homes in Des Lacs are owner-occupied.
Most homes in Des Lacs - 91% - are primarily heated with natural gas.
FEMA rates Ward County's overall risk as Relatively Low, led by winter weather (Very High). 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.
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 | $130,000 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)