Home Insurance in Fessenden, North Dakota
Homes in Fessenden carry a median value of $70,900 - 38% 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 Fessenden was built around 1956. About 55% of homes were built before 1960, about 10 points above Wells County's 44%.
The housing stock in Fessenden is 88% single-family homes, 5% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 25% of owner-occupied homes in Fessenden have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Fessenden are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Fessenden - 63% - are primarily heated with electricity.
What's the biggest home insurance risk near Fessenden? 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.
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 | $70,900 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 25% |
| 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)