Homeowners Insurance in Williston, ND

For a home at Williston's median value of $286,200, we estimate about $1,465 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 Williston

Est. premium

$1,465

$122/mo · median home

Median home value

$286,200

North Dakota: $249,900

Median year built

2003

Census ACS

Owner-occupied

47.1%

of households

Hazard score

55.5

state ref. 67.4

Williston's estimate reflects its home values (15% higher than the state median) and FEMA's hazard profile for Williams County.

Natural hazard risk in Williston

FEMA National Risk Index — Williams County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively Low	72.8	Comprehensive (car); roof claims (home)
Tornado	Relatively Low	53.1	Comprehensive; dwelling
Hurricane	Not rated	—	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively Low	42.9	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Low	41.1	Comprehensive; dwelling
Winter weather	Very High	97.2	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Low	77.4	Comprehensive; dwelling
Earthquake	Very Low	18.2	Home needs a separate earthquake policy
Lightning	Relatively Low	41.0	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 Williston

Dwelling value	Wood frame	Brick / masonry
$200,000	$1,100	$1,010
$300,000	$1,520	$1,400
$500,000	$2,285	$2,105
$750,000	$3,165	$2,910

Home Insurance Estimator

Estimated annual premium

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

Frequently asked questions

How much is homeowners insurance in Williston?

For a home at Williston's median value of $286,200, we estimate about $1,465 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 Williston?

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

Does the age of homes in Williston affect insurance?

Yes. The median home in Williston was built in 2003 (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 Williams County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page