Home Insurance in Tioga, North Dakota
The median home value in Tioga is $199,600, 30% lower than the Williams County median.
The typical home in Tioga was built around 2001. About 25% of homes were built before 1960, about 3 points above Williams County's 22%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Tioga is 38% single-family homes, 43% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
44% of owner-occupied homes in Tioga carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 48% of occupied homes in Tioga are owner-occupied. The vacancy rate is 36%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
62% of homes in Tioga are primarily heated with natural gas.
What's the biggest home insurance risk near Tioga? FEMA's National Risk Index points to winter weather (Very High) in Williams County and 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 | $199,600 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)