Affordable Home Insurance in North Dakota
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What drives home insurance rates in North Dakota
Average homeowners premium, 2023
$1,414
The average homeowners policy in North Dakota cost $1,414 for a year of coverage in 2023, against $1,737 nationally.
Claims paid per premium dollar, 2023
57.8¢
Home insurers in North Dakota paid 57.8 cents in claims for every premium dollar in 2023; the median state was 64 cents.
Severe weather events, 2024
185
NOAA logged 14 tornado, 165 large-hail and 6 flash-flood event reports in North Dakota in 2024, counted per county or zone. Wind and hail claims fall on the homeowners policy; flood needs its own.
Natural-hazard loss rank
#44
FEMA ranks North Dakota #44 of 51 for expected annual loss from natural hazards; winter weather accounts for 42% of that loss, and ice and snow damage are covered under most policies.
- Average homeowners premium, 2023: NAIC Homeowners Insurance Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Severe weather events, 2024: NOAA Storm Events Database, 2024
- Natural-hazard loss rank: FEMA National Risk Index
Largest home insurers in North Dakota
The ten insurer groups that wrote the most home premium in North Dakota in 2025, with their share of the state total of $388 million.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | State Farm Group | 14.59% | $57 million |
| 2 | American Family Insurance Group | 12.87% | $50 million |
| 3 | Agraria Mutual Group | 9.78% | $38 million |
| 4 | Auto Owners Group | 9.09% | $35 million |
| 5 | Farmers Insurance Group | 8.1% | $31 million |
| 6 | Nodak Mutual Group | 7.57% | $29 million |
| 7 | North Star Co. Group | 5.82% | $23 million |
| 8 | Liberty Mutual Group | 4.58% | $18 million |
| 9 | United Services Automobile Association Group | 4.55% | $18 million |
| 10 | Country Insurance & Financial Services Group | 3.18% | $12 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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