Home Insurance in Donnybrook, North Dakota
Homes in Donnybrook carry a median value of $118,800 - 56% lower than the Ward County median.
The typical home in Donnybrook was built around 1941. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 70% of homes were built before 1960, about 48 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 Donnybrook is 94% single-family homes and 6% mobile or manufactured homes.
About 53% of owner-occupied homes in Donnybrook have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Donnybrook has an owner-occupancy rate of 100% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Most homes in Donnybrook - 53% - are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Donnybrook? 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.
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 | $118,800 |
|---|---|
| Median year built | 1941 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)