Insurance agencies · North Dakota

Insurance Agencies in Horace, ND

Local agencies in Horace for home, auto, life and business insurance. Compare them and call one directly.

Local insight

Insuring a home, car or business in Horace

Horace has 4,588 residents in 1,650 households. We list 1 insurance agencies in Horace. Here is what the local numbers say about the cover people here need.

Horace at a glance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Cass County

FEMA rates the overall natural hazard risk in Cass County, where most Horace agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

  • Winter weatherVery High
  • Strong windVery High

    Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.

    Home insurance in North Dakota
  • Ice stormVery High
  • HailRelatively High

    Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.

    Home insurance in North Dakota

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Questions

Insurance agencies in Horace

How do I find an insurance agency in Horace?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

Do I need flood insurance in Horace?

FEMA's National Risk Index rates inland flooding risk in Cass County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Horace?

5.6% of households in Horace rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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