Home Insurance in Alamo, North Dakota
With a median home value of $108,300, Alamo is 62% lower than the Williams County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Alamo was built around 1953. About 75% of homes were built before 1960, about 53 points above Williams County's 22%.
In Alamo, the housing stock is 100% single-family homes.
In Alamo, about 25% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
All occupied homes in Alamo are owner-occupied.
Most homes in Alamo - 70% - are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Williams County's overall risk as Relatively Low, led by winter weather (Very High). Williams County had 39 active NFIP flood policies as of September 2026. See the full Williams 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 | $108,300 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Williams County | 39 |
| 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)