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Flood insurance cost · Grand Forks County, ND

Flood insurance cost in Grand Forks County, North Dakota

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 286 home policies in force on August 31, 2026.

Grand Forks County, North DakotaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$906a year

Half of insured homes paid between $626 and $1,345. That is 5% more than the North Dakota median ($865). Most insured homes here are rated in zone X (75%).

$0$626 · $906 · $1,345$1,681
+1.9% vs Aug 31, 2025 (median $889)
286home policies in force
$1,044average cost (mean)
25%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 Grand Forks 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		$1,603$1,193–$1,965$1,65848 (17%)+5.7%
Zone A
High risk		$917$664–$1,768$1,32323 (8%)−10.5%
Zone X
Moderate to low risk		$813$567–$1,175$877215 (75%)+0.4%

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 Grand Forks County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home274$923$1,062
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.		14$1,430$1,406
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		79$1,037$1,527

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, condo or apartment unit.

379NFIP policies in force, any building
379insured units (condo association policies count every unit)
86%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Grand Forks 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 force303286−5.6%
Median annual cost$889$906+1.9%
Average annual cost$991$1,044+5.3%
All policies in force (any building)389379−2.6%

How many homes have flood insurance?

1.6%of all homes in Grand Forks County have an NFIP policy
23.2%of homes in high-risk zones (special flood hazard area) have one
18,706residential buildings counted by FEMA
314of 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 Grand Forks County, North Dakota have filed 3,118 flood claims. 2,778 received a payment, for a total of $75.6 million (an average of $27,215 per paid claim). The year with the most claims was 1997 (2,295 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1978: 38 claims, 35 paid, $107,012 in total1979: 303 claims, 275 paid, $2,046,243 in total197919801982: 25 claims, 10 paid, $11,502 in total1989: 84 claims, 67 paid, $80,658 in total198919901996: 25 claims, 22 paid, $135,432 in total1997: 2,295 claims, 2,117 paid, $70,771,261 in total19972000: 14 claims, 12 paid, $202,684 in total20002001: 66 claims, 37 paid, $237,315 in total2006: 13 claims, 12 paid, $145,494 in total2009: 49 claims, 45 paid, $967,820 in total2010: 13 claims, 13 paid, $42,636 in total20102011: 27 claims, 26 paid, $191,103 in total2019: 71 claims, 56 paid, $278,973 in total2020: 19 claims, 15 paid, $104,429 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 (14)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20201915$104,429$6,962
20197156$278,973$4,982
20112726$191,103$7,350
20101313$42,636$3,280
20094945$967,820$21,507
20061312$145,494$12,124
20016637$237,315$6,414
20001412$202,684$16,890
19972,2952,117$70,771,261$33,430
19962522$135,432$6,156
19898467$80,658$1,204
19822510$11,502$1,150
1979303275$2,046,243$7,441
19783835$107,012$3,057

From 2016 to 2026: 90 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.

Main NFIP communities in the county

Grand Forks (225 home policies) · Emerado (19 home policies) · Unincorporated Grand Forks County (15 home policies)