Home Insurance in Bowdon, North Dakota
The median home value in Bowdon is $72,900, 36% lower than the Wells County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Bowdon was built around 1962. About 46% of homes were built before 1960, about 2 points above Wells County's 44%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bowdon is 79% single-family homes, 11% apartments in buildings with 5+ units and 11% mobile or manufactured homes.
In Bowdon, about 26% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Bowdon has an owner-occupancy rate of 90% and a vacancy rate of 29%; 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. In Bowdon, 68% of homes are primarily heated with propane.
What's the biggest home insurance risk near Bowdon? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Wells County and Wells County has no active NFIP flood policies on file. See the full Wells 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 | $72,900 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| 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)