Homeowner Insurance Costs in Mercer County, ND

How much does homeowner insurance cost in Mercer County? Here's what to expect.

Est. Annual Premium

$1,056

Monthly Cost

$88

Median Home Value

$192,000

% of Income

1.3%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$192,000
Personal Property (C)$96,000
Liability (E)$300,000
Deductible$1,920

Cost Context

Homeownership Rate83.8%
Median Income$82,155
Property Tax Rate1.1%
Population8,366

About Insurance in Mercer County

Homeowner insurance in Mercer County, North Dakota costs an estimated $1,056 per year for a median-value home of $192,000. This represents approximately 1.3% of the median household income of $82,155.

Actual premiums depend on your home's age, construction type, claims history, credit score, proximity to fire stations, and specific peril exposures. Use our calculator for a personalized total cost of risk analysis with peril-by-peril breakdown.

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Other Counties in North Dakota

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: Insurance Information Institute, state insurance departments. Estimates are county-level approximations. This is not insurance advice.