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Flood insurance cost · Cass County, ND

Flood insurance cost in Cass County, North Dakota

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,054 home policies in force on August 31, 2026.

Cass County, North DakotaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$738a year

Half of insured homes paid between $577 and $1,100. That is 15% less than the North Dakota median ($865). Most insured homes here are rated in zone AE (61%).

$0$577 · $738 · $1,100$1,375
+1.8% vs Aug 31, 2025 (median $725)
2,054home policies in force
$869average cost (mean)
63%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.

Cost by flood zone in Cass County

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		$732$574–$1,026$8661,262 (61%)+1.4%
Zone A
High risk		$1,117$789–$1,284$1,09432 (2%)+13.4%
Zone X
Moderate to low risk		$740$583–$1,205$866760 (37%)+2.5%

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 Cass County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,968$735$871
2–4 unit building37$953$909
Condo or apartment unit44$600$715
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.		68$1,268$1,306
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		194$1,184$1,800

Not shown (fewer than 10 policies): manufactured (mobile) home.

2,316NFIP policies in force, any building
2,335insured units (condo association policies count every unit)
85%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Cass County

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 force2,1902,054−6.2%
Median annual cost$725$738+1.8%
Average annual cost$841$869+3.3%
All policies in force (any building)2,4272,316−4.6%

How many homes have flood insurance?

4.5%of all homes in Cass County have an NFIP policy
49.0%of homes in high-risk zones (special flood hazard area) have one
47,318residential buildings counted by FEMA
2,691of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Cass County, North Dakota have filed 3,352 flood claims. 2,881 received a payment, for a total of $24.8 million (an average of $8,624 per paid claim). The year with the most claims was 1997 (1,202 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 163 claims, 137 paid, $691,421 in total1979: 270 claims, 236 paid, $904,901 in total197919801982: 15 claims1989: 118 claims, 106 paid, $569,971 in total19901991: 47 claims, 25 paid, $113,185 in total1993: 94 claims, 68 paid, $98,231 in total1995: 12 claims, 10 paid, $40,964 in total1996: 22 claims, 18 paid, $23,547 in total1997: 1,202 claims, 1,098 paid, $10,169,021 in total19972000: 36 claims, 21 paid, $872,050 in total20002001: 94 claims, 80 paid, $120,956 in total2006: 48 claims, 43 paid, $133,525 in total2009: 725 claims, 641 paid, $9,982,773 in total20092010: 178 claims, 158 paid, $192,779 in total20102011: 188 claims, 160 paid, $628,032 in total2013: 36 claims, 24 paid, $41,867 in total2019: 23 claims, 18 paid, $63,223 in total2020
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 (17)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20192318$63,223$3,512
20133624$41,867$1,744
2011188160$628,032$3,925
2010178158$192,779$1,220
2009725641$9,982,773$15,574
20064843$133,525$3,105
20019480$120,956$1,512
20003621$872,050$41,526
19971,2021,098$10,169,021$9,261
19962218$23,547$1,308
19951210$40,964$4,096
19939468$98,231$1,445
19914725$113,185$4,527
1989118106$569,971$5,377
198215<10––
1979270236$904,901$3,834
1978163137$691,421$5,047

From 2016 to 2026: 23 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.

ZIP codes in Cass County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Fargo (1,747 home policies) · West Fargo (84 home policies) · Harwood (58 home policies) · Horace (42 home policies) · Harwood (19 home policies) · Reiles Acres (19 home policies)