Homeowners insurance in North Dakota: premium by ZIP code
North Dakota's median ZIP code paid $1,930 per policy in 2022, ranked 11 of 51, with low loss ratios.
Independent site, not an insurer or a broker. Treasury figures cover 2018 to 2022 only.
Premium per policy in 2022, North Dakota (median ZIP code)
$1,930
Average paid per HO-3 or HO-5 policy, inflation-adjusted as published by the Treasury. At September 2026 prices: about $2,571.
| Change from 2018 to 2022, after inflation | +7.6% |
| Premium per policy in 2018 | $1,793 |
| Premium per policy in 2022 | $1,930 |
| 2022 premium carried to September 2026 (BLS index) | $2,571 |
| Policies not renewed by the insurer, 2022 | 0.77% |
| Claims paid per 100 policies, yearly average | 5.1 |
| Average claim paid, 2018 to 2022 (adjusted) | $12,391 |
| Cancelled for nonpayment, 2022 | 1.14% |
Treasury data stop in 2022. The September 2026 figure applies the national BLS price index to the 2022 value, read as 2022 dollars: an estimate, not a quote.
Compiled by Radif Partners · Where the numbers come from · 88 ZIP codes in 39 counties of North Dakota in the Treasury file · not a quote
North Dakota homeowners paid $1,930 per policy in the median ZIP code in 2022 in the Treasury file, ranked 11 of 51 and above the national $1,551, after a rise of +8.1% after inflation from 2018. Only 88 ZIP codes reach the file's threshold, in and around the cities. Burleigh County, Bismarck, paid $2,287, the highest of the large counties, and Cass County, Fargo, $1,995. Prices are high for a state where insurers paid out little: the paid loss ratio stayed between 21% and 27%, among the lowest in the country. Claims were frequent but small, 5.1 per 100 policies a year at $12,391 on average, the pattern of hail on roofs and siding. Nonrenewals rose from 0.40% in 2018 to 0.93% in 2021. North Dakota has no FAIR plan for homes. Flood along the Red River is a separate policy. The data stop in 2022.
Bismarck, Fargo, Grand Forks and Minot
Burleigh County had 5 ZIP codes in the file and a median of $2,287 in 2022; the two dearest ZIP codes in the state, 58558 and 58503, at $2,480 and $2,476, are both in that county. Cass County had 10 ZIP codes and $1,995, up +11.3% after inflation; Grand Forks County paid $1,917 and Ward County, Minot, $1,940. The range is narrow: the cheapest tenth of ZIP codes paid under $1,683, the dearest over $2,255. The cheapest ZIP code, 57648 in Emmons County, paid $1,523.
Hail, wind and winter
Paid claims per 100 policies went from 4.4 in 2018 to 5.2 in 2022, ranked 23 of 51 over the period. The average claim, $12,391, ranked 46, among the smallest: roof, siding and window repairs after summer storms rather than total losses. Winter adds frozen pipes and ice damage. Most North Dakota policies carry a separate wind and hail deductible, and a roof schedule can pay an older roof at actual cash value; the roof claim calculator shows the effect.
A North Dakota hail claim on a 12-year roof
Example, not your result yet· change a figure to see yours
Actual cash value settlement
$5,280
| Value left in the roof | 52% |
| Depreciated roof value before deductible | $7,280 |
| Replacement cost before deductible | $14,000 |
Low loss ratios
A paid loss ratio of 26% in 2022 means insurers paid out about a quarter of the premium they collected in claims, before their own costs. The ratio stayed in that range all five years. Low ratios for several years usually limit rate increases. The file itself is thin here: many small-town ZIP codes do not reach ten reporting insurers and are left out, so the state figures describe the cities and larger towns.
Renewals, flood and the regulator
The median nonrenewal rate went 0.40%, 0.55%, 0.63%, 0.93%, 0.77% from 2018 to 2022. North Dakota has no residual market plan for homes listed in the Treasury report. The North Dakota Insurance Department handles complaints. Fargo and Grand Forks sit on the Red River, whose spring floods are excluded from homeowners policies; flood coverage is separate and usually starts after a waiting period, so it must be bought before the spring melt.
North Dakota, year by year
| Year | North Dakota median ZIP | National median ZIP | Nonrenewal rate | Claims per 100 policies | Paid loss ratio |
|---|---|---|---|---|---|
| 2018 | $1,793 | $1,445 | 0.40% | 4.4 | 21% |
| 2019 | $1,791 | $1,469 | 0.55% | 4.3 | 22% |
| 2020 | $1,799 | $1,491 | 0.63% | 4.2 | 27% |
| 2021 | $1,911 | $1,521 | 0.93% | 4.6 | 22% |
| 2022 | $1,930 | $1,551 | 0.77% | 5.2 | 26% |
The North Dakota counties with the most ZIP codes in the file
| County | ZIP codes | Median 2018 | Median 2022 | Change | Nonrenewal 2022 | Average claim |
|---|---|---|---|---|---|---|
| Cass County | 10 | $1,729 | $1,995 | +11.3% | 0.82% | $14,483 |
| Grand Forks County | 8 | $1,720 | $1,917 | +10.8% | 0.60% | $12,357 |
| Ward County | 7 | $1,790 | $1,940 | +7.9% | 0.68% | $10,978 |
| Burleigh County | 5 | $2,121 | $2,287 | +7.0% | 0.78% | $11,679 |
| McLean County | 5 | $1,936 | $2,043 | +7.6% | 1.09% | $8,278 |
| Richland County | 5 | $1,655 | $1,865 | +13.8% | 0.35% | $11,046 |
| Williams County | 4 | $1,925 | $1,923 | +0.7% | 0.74% | $14,962 |
| Morton County | 3 | $1,894 | $2,175 | +6.9% | 0.96% | $16,510 |
Highest and lowest premiums per policy, North Dakota ZIP codes, 2022
| ZIP code | County | Premium per policy | Change since 2018 | Nonrenewal 2022 |
|---|---|---|---|---|
| 58558 | Burleigh County | $2,480 | +7.0% | 0.78% |
| 58503 | Burleigh County | $2,476 | +9.2% | 0.57% |
| 58575 | McLean County | $2,448 | +14.1% | 1.85% |
| 58623 | Bowman County | $2,405 | +13.4% | 2.06% |
| 58601 | Stark County | $2,393 | +11.3% | 0.92% |
| 57648 | Emmons County | $1,523 | +23.0% | 0.00% |
| 58270 | Walsh County | $1,540 | -0.6% | 2.35% |
| 58763 | Mountrail County | $1,595 | -13.8% | 0.54% |
| 58203 | Grand Forks County | $1,596 | +7.2% | 0.58% |
| 58436 | Dickey County | $1,598 | +18.2% | 4.76% |