Home Insurance in Wildrose, North Dakota
With a median home value of $113,800, Wildrose is 60% 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 Wildrose was built around 1959. About 53% of homes were built before 1960, about 32 points above Williams County's 22%.
The housing stock in Wildrose is 75% single-family homes, 2% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 21% of owner-occupied homes in Wildrose have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 88% of occupied homes in Wildrose are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 73% of homes in Wildrose are primarily heated with propane.
Williams County had 39 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). See the full Williams 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 | $113,800 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 21% |
| 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)