Home Insurance in Kenmare, North Dakota
With a median home value of $115,500, Kenmare is 57% lower than the Ward County median.
The typical home in Kenmare was built around 1962. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 48% of homes were built before 1960, about 26 points above Ward County's 22%.
In Kenmare, the housing stock is 79% single-family homes, 12% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 32% of owner-occupied homes in Kenmare have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Kenmare has an owner-occupancy rate of 76% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 45% of homes in Kenmare are primarily heated with propane.
Ward County had 1,181 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). 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 | $115,500 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 32% |
| 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)