Home Insurance in Sawyer, North Dakota
The median home value in Sawyer is $210,700, 21% lower than the Ward County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Sawyer was built around 1968. About 43% of homes were built before 1960, about 21 points above Ward County's 22%.
The housing stock in Sawyer is 87% single-family homes and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
56% of owner-occupied homes in Sawyer carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 85% of occupied homes in Sawyer are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Sawyer - 73% - are primarily heated with propane. Homes heated with propane 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 Sawyer? 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 | $210,700 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)