Home Insurance in North Dakota
Home insurance in North Dakota is below the national average, though hail, high winds, and harsh winters all contribute to claims.
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North Dakota at a glance
Data as of 2022Average cost
$1,325/yr
≈ $110/mo
vs U.S. average
-16%
below the national avg of $1,569/yr
Top risks
Hail, wind & winter weather
Source: NAIC (2022). Average annual premium for owner-occupied HO-3 homeowners policies.
Home insurance in North Dakota is below the national average, though hail, high winds, and harsh winters all contribute to claims.
How much does home insurance cost in North Dakota?
The average homeowner in North Dakota pays $1,325 per year for home insurance — that’s 16% below the U.S. national average of $1,569/yr. Your own rate depends on your home’s rebuild cost, age, construction, location, and claims history.
North Dakota vs the national average
16% below the national average of $1,569/yr.
Source: NAIC (2022). Average annual premium for owner-occupied HO-3 homeowners policies.
What drives home insurance costs in North Dakota
Wind and hail drive warm-season losses, while snow load and frozen pipes add winter claims. Low population density and limited catastrophe exposure keep premiums moderate.
What home insurance covers
A standard North Dakota homeowners (HO-3) policy bundles several coverages. Note what’s not included — flood and earthquake always require separate policies.
| Coverage | What it covers | In a standard policy? |
|---|---|---|
| Dwelling (Coverage A) | The structure of your home itself | Core coverage |
| Other structures (B) | Detached garages, fences, sheds | Included |
| Personal property (C) | Your belongings — furniture, electronics, clothes | Included |
| Liability (E) | Injuries to others or damage you’re responsible for | Included |
| Loss of use (D) | Living expenses if your home is uninhabitable | Included |
| Flood / earthquake | Flood and quake damage | Excluded — separate policy |
Homeowners insurance is not legally mandated, but mortgage lenders require it for the life of your loan.
How to lower your home insurance in North Dakota
Rates for the same home can vary widely between insurers in North Dakota, so comparing several quotes is the most effective way to save. A few other ways to lower your premium:
- Raise your deductible if you can cover it in a claim
- Bundle home and auto insurance with one carrier
- Harden your home against local risks (impact-resistant roof, storm shutters, defensible space) for discounts
- Improve security — alarms, smoke detectors, water-leak sensors
- Avoid small claims so you keep claims-free discounts
Average premium data last verified June 6, 2026. Source: NAIC. Figures are statewide averages — your quote will differ based on your specific home.
North Dakota home insurance FAQs
Common questions about homeowners insurance in North Dakota
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