Leave a Message

Thank you for your message. We will be in touch with you shortly.

Is Your Home Insurable?

To find out if a North Dakota (ND) home is insurable, you have a few good options depending on the type of risk you're concerned about (e.g., flood, wildfire, general homeowner insurance). Here's how to go about it:
 

Talk To An Insurance Agent

The fastest and most reliable way is to contact a licensed insurance agent in North Dakota. They can:
 
  • Run risk reports
  • Check your address against insurance company guidelines
  • Tell you if the home is insurable and under what conditions
Some homes might be considered high-risk due to location (floodplain, wildfire-prone areas), condition, or prior claims.
 

Flood Insurance Lookup (FEMA/NFIP)

If you're concerned about flood risk, check:
 
  • FEMA’s Flood Map Service Center
  • Type in the address to see if it's in a Special Flood Hazard Area (SFHA).
  • If yes, you'll likely need flood insurance through the National Flood Insurance Program (NFIP) or a private insurer.

CLUE Report (Claims History)

The CLUE (Comprehensive Loss Underwriting Exchange) report shows past insurance claims on a property.
 
  • Ask the homeowner or seller for a copy of the CLUE report.
  • Insurance companies use this to decide if they'll offer a policy.

North Dakota Insurance Department

You can contact the ND Insurance Department to ask about general insurability concerns or for help finding a local agent:
 

Home Inspection

Some homes might be uninsurable because of their condition (old wiring, roof issues, etc.). A licensed home inspector can identify risks that might make insurance companies decline coverage.

Recent Blog Posts

Stay up to date on the latest real estate trends.

How Much Do Mortgage Rates Affect Home Affordability in Bismarck-Mandan?

Discover how even small fluctuations in mortgage rates can significantly impact your monthly payments and overall buying power.

Can You Have a Fire Pit in Bismarck, ND?

Thinking of adding a fire pit to your backyard? Learn the essential safety rules and city regulations for recreational fires in Bismarck, ND.

How to Sell Your Home Fast: Proven Tips for Sellers

Whether it's your first time or you've done it before, the right strategy can mean thousands more in your pocket — and a much smoother experience.

BisMan Parade of Homes

Explore the latest in home design and construction at the upcoming BisMan Parade of Homes in the Bismarck-Mandan area.

How to Avoid Real Estate Scams | Wire Fraud Protection Tips for Buyers and Sellers

Protect your real estate investment by learning how to identify and avoid sophisticated wire fraud scams during your home buying or selling process.

10 Costly Mistakes to Avoid When Selling Your Home

Avoid these 10 common pitfalls to ensure a faster, more profitable home sale and a smoother real estate experience.

Home Inspections: What Buyers & Sellers Should Know

Understand the essential role of home inspections in the buying and selling process with this comprehensive guide.

Bismarck Road Projects & Special Assessments | What Homeowners Should Know

Understand how upcoming Bismarck road projects and potential ballot measures could impact your property values and future special assessments.

How to Apply for the North Dakota Primary Residence Tax Credit

Learn how to claim up to $1,600 in annual property tax savings through the North Dakota Primary Residence Credit program.

View All

Ready When You Are

Buying or selling a home is a big decision, and Homes 701 Team is here to make the process simple and stress-free. With expert marketing, local expertise, and a complimentary moving trailer for clients, they deliver service that goes beyond the transaction.

Contact Us

Get in Touch

contact-form-background

Contact Details

HOMES 701 TEAM

(701) 471-5351

[email protected]

ADDRESS 601 E Bismarck Expy Bismarck, ND 58504