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Flood insurance cost · ND

Flood insurance cost in North Dakota

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 4,804 home policies in force on August 31, 2026.

North DakotaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$865a year

Half of insured homes paid between $627 and $1,266. That is 20% less than the national median ($1,082). The most common flood zone for insured homes here is zone X (50%).

$0$627 · $865 · $1,266$1,582
+3.5% vs Aug 31, 2025 (median $836)
4,804home policies in force
$1,011average cost (mean)
50%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Disaster declarations: see FEMA declarations and IRS tax relief in North Dakota, county by county.

Cost by flood zone in North Dakota

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$897$638–$1,380$1,1152,250 (47%)+4.7%
Zone A
High risk		$942$646–$1,308$1,086154 (3%)+0.5%
Zone X
Moderate to low risk		$840$617–$1,198$9082,396 (50%)+3.2%

Not shown (fewer than 10 home policies): VE, AO, AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in North Dakota, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home4,520$865$1,015
2–4 unit building76$984$1,044
Manufactured (mobile) home125$921$1,034
Condo or apartment unit83$589$697
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		114$1,319$1,638
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		675$1,147$1,789
5,593NFIP policies in force, any building
5,641insured units (condo association policies count every unit)
79%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: North Dakota

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force5,1164,804−6.1%
Median annual cost$836$865+3.5%
Average annual cost$950$1,011+6.4%
All policies in force (any building)5,9055,593−5.3%

Flood claims history

Since 1978, NFIP policyholders in North Dakota have filed 13,307 flood claims. 10,843 received a payment, for a total of $259.5 million (an average of $23,932 per paid claim). The year with the most claims was 1997 (4,701 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k1978: 465 claims, 382 paid, $1,318,507 in total1979: 1,672 claims, 1,493 paid, $6,686,434 in total19791980: 21 claims19801981: 43 claims, 24 paid, $17,307 in total1982: 111 claims, 69 paid, $111,131 in total1983: 34 claims, 17 paid, $76,651 in total1984: 13 claims1987: 75 claims, 41 paid, $158,484 in total1989: 248 claims, 215 paid, $869,128 in total19901991: 48 claims, 26 paid, $113,685 in total1993: 210 claims, 136 paid, $299,396 in total1994: 10 claims1995: 89 claims, 75 paid, $1,005,397 in total1996: 314 claims, 235 paid, $7,769,255 in total1997: 4,701 claims, 4,192 paid, $97,408,075 in total19971998: 161 claims, 90 paid, $4,941,973 in total1999: 226 claims, 77 paid, $3,218,073 in total2000: 131 claims, 42 paid, $2,427,985 in total20002001: 352 claims, 209 paid, $2,903,566 in total2002: 32 claims, 11 paid, $529,854 in total2004: 84 claims, 55 paid, $1,399,504 in total2005: 22 claims, 14 paid, $218,807 in total2006: 89 claims, 80 paid, $822,759 in total2009: 1,303 claims, 1,107 paid, $21,186,154 in total2010: 382 claims, 311 paid, $4,567,376 in total20102011: 1,918 claims, 1,593 paid, $96,562,250 in total20112012: 56 claims, 17 paid, $1,169,308 in total2013: 167 claims, 108 paid, $1,122,976 in total2014: 44 claims, 17 paid, $1,036,126 in total2015: 10 claims2019: 121 claims, 97 paid, $499,100 in total2020: 34 claims, 25 paid, $241,577 in total20202022: 31 claims, 22 paid, $197,922 in total2023: 13 claims
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (34)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202313<10––
20223122$197,922$8,996
20203425$241,577$9,663
201912197$499,100$5,145
201510<10––
20144417$1,036,126$60,949
2013167108$1,122,976$10,398
20125617$1,169,308$68,783
20111,9181,593$96,562,250$60,617
2010382311$4,567,376$14,686
20091,3031,107$21,186,154$19,138
20068980$822,759$10,284
20052214$218,807$15,629
20048455$1,399,504$25,446
20023211$529,854$48,169
2001352209$2,903,566$13,893
200013142$2,427,985$57,809
199922677$3,218,073$41,793
199816190$4,941,973$54,911
19974,7014,192$97,408,075$23,237
1996314235$7,769,255$33,061
19958975$1,005,397$13,405
199410<10––
1993210136$299,396$2,201
19914826$113,685$4,372
1989248215$869,128$4,042
19877541$158,484$3,865
198413<10––
19833417$76,651$4,509
198211169$111,131$1,611
19814324$17,307$721
198021<10––
19791,6721,493$6,686,434$4,479
1978465382$1,318,507$3,452

From 2016 to 2026: 199 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Counties in North Dakota

Counties with at least 100 NFIP home policies in force have their own page.

Other counties (fewer policies, no separate page)
CountyHome policiesMedian
Benson County10$445
Dunn County18$924
Emmons County14$929
LaMoure County12$1,094
McHenry County29$864
McKenzie County11$1,036
Mercer County63$1,023
Pembina County72$799
Ramsey County21$529
Ransom County26$1,364
Richland County49$707
Stark County83$707
Stutsman County65$1,400
Traill County27$1,234
Walsh County43$820
Williams County27$1,030

ZIP codes with the most insured homes