Homeowners Insurance in Mandan, ND

For a home at Mandan's median value of $259,800, we estimate about $1,355 a year — −4% versus the North Dakota NAIC average of $1,414.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Mandan

Est. premium

$1,355

$113/mo · median home

Median home value

$259,800

North Dakota: $249,900

Median year built

1981

Census ACS

Owner-occupied

69.0%

of households

Hazard score

55.6

state ref. 67.4

Mandan's estimate reflects its home values (4% higher than the state median) and FEMA's hazard profile for Morton County.

Natural hazard risk in Mandan

FEMA National Risk Index — Morton County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively High	95.8	Comprehensive (car); roof claims (home)
Tornado	Relatively Low	57.4	Comprehensive; dwelling
Hurricane	Not rated	—	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively Low	40.4	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Low	51.3	Comprehensive; dwelling
Winter weather	Relatively High	95.5	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Low	73.9	Comprehensive; dwelling
Earthquake	Very Low	6.9	Home needs a separate earthquake policy
Lightning	Very Low	23.7	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Mandan

Dwelling value	Wood frame	Brick / masonry
$200,000	$1,100	$1,010
$300,000	$1,520	$1,400
$500,000	$2,290	$2,105
$750,000	$3,165	$2,915

Home Insurance Estimator

Estimated annual premium

—

Per month

—

Homeowners insurance in North Dakota · Car insurance in Mandan · Insurance offices near Mandan

Frequently asked questions

How much is homeowners insurance in Mandan?

For a home at Mandan's median value of $259,800, we estimate about $1,355 a year for a standard HO-3 policy with a $1,000 deductible. The North Dakota NAIC average is $1,414.

What are the biggest natural hazards in Mandan?

FEMA's National Risk Index rates Morton County relatively high or very high for hail and winter weather.

Does the age of homes in Mandan affect insurance?

Yes. The median home in Mandan was built in 1981 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for North Dakota, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Morton County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page