Home insurance costs & natural hazards in North Dakota
Plain facts for North Dakota homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.
See the numbersHistorical averages, not a quote. Updated Oct 2026.
North Dakota at a glance
Four numbers most homeowners ask about first.
Median ZIP code, per policy per year in 2022 (inflation-adjusted).
Single-family NFIP policies that took effect in 2025.
Median ZIP in 2022. Typical U.S. ZIP: 0.81%.
Counties FEMA rates relatively high or very high on its overall National Risk Index.
What homeowners in North Dakota pay
Each block pairs a short explanation with the data behind it.
Homeowners insurance
The typical North Dakota ZIP code saw homeowners premiums of $1,930 per policy in 2022, 24% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure rose 8% between 2018 and 2022. The figures come from 88 North Dakota ZIP codes in Treasury's data.
Typical premium per policy
Flood insurance
Standard home policies don't cover floods. 4,847 single-family NFIP policies took effect in North Dakota in 2025, at an average full cost of $975, compared with $851 in 2022. About 49% of those policies are for homes in high-risk A or V zones.
Average flood policy cost
Policies by flood zone, 2025
Natural hazards
Bars count how many of North Dakota's 53 counties FEMA rates relatively high or very high for each hazard. The most widespread are winter weather, ice storm and cold wave. Open any county for its full hazard profile.
Hazards across North Dakota's counties
North Dakota counties
All 53 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.
Typical home premium by county, 2022
| County | Premium | Flood | FEMA rating |
|---|---|---|---|
| Adams County | $2,070 | — | Very Low |
| Barnes County | $1,750 | $1,653 | Relatively Low |
| Benson County | — | $445 | Very Low |
| Billings County | $2,114 | — | Very Low |
| Bottineau County | $1,910 | — | Very Low |
| Bowman County | $2,405 | — | Very Low |
| Burke County | — | — | Very Low |
| Burleigh County | $2,287 | $1,438 | Relatively Moderate |
| Cass County | $1,995 | $848 | Relatively Moderate |
| Cavalier County | $1,682 | — | Very Low |
| Dickey County | $1,726 | — | Very Low |
| Divide County | — | — | Very Low |
| Dunn County | $2,267 | — | Very Low |
| Eddy County | — | — | Very Low |
| Emmons County | $1,849 | $1,067 | Relatively Low |
| Foster County | $1,801 | — | Very Low |
| Golden Valley County | $1,944 | — | Very Low |
| Grand Forks County | $1,917 | $1,013 | Relatively Low |
| Grant County | $1,939 | — | Very Low |
| Griggs County | $1,650 | — | Very Low |
| Hettinger County | — | — | Very Low |
| Kidder County | $1,683 | — | Very Low |
| LaMoure County | — | $901 | Very Low |
| Logan County | — | — | Very Low |
| McHenry County | $2,106 | $898 | Very Low |
| McIntosh County | — | — | Very Low |
| McKenzie County | $2,025 | — | Very Low |
| McLean County | $2,043 | — | Relatively Low |
| Mercer County | $2,124 | $1,040 | Very Low |
| Morton County | $2,175 | $1,282 | Relatively Low |
| Mountrail County | $1,777 | — | Very Low |
| Nelson County | — | — | Very Low |
| Oliver County | $2,110 | — | Very Low |
| Pembina County | $1,741 | $900 | Very Low |
| Pierce County | $1,747 | — | Very Low |
| Ramsey County | $1,830 | $562 | Very Low |
| Ransom County | $1,771 | $1,444 | Very Low |
| Renville County | $1,966 | — | Very Low |
| Richland County | $1,865 | $818 | Very Low |
| Rolette County | $1,752 | — | Relatively Low |
| Sargent County | — | — | Very Low |
| Sheridan County | — | — | Very Low |
| Sioux County | — | — | Relatively Low |
| Slope County | — | — | Very Low |
| Stark County | $2,259 | $862 | Very Low |
| Steele County | $1,688 | — | Very Low |
| Stutsman County | $1,667 | $1,300 | Relatively Low |
| Towner County | — | — | Very Low |
| Traill County | $1,830 | $1,363 | Very Low |
| Walsh County | $1,676 | $971 | Very Low |
| Ward County | $1,940 | $841 | Relatively Low |
| Wells County | $1,974 | — | Very Low |
| Williams County | $1,923 | $1,157 | Relatively Low |
ZIP codes with the most flood policies
Practical next steps
Simple things North Dakota homeowners can do with this information.
Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.
Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.
This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.