Popular Questions about Homeowners Insurance in North Dakota

On average, American homeowners pay $1,211 a year for home insurance. However, in the state of North Dakota, the average annual cost is a bit higher at $1,253 a year. Comparing rates from a few competing providers before making a purchase has the potential to save you a significant amount of money on this important coverage.

Having a solid homeowners insurance policy is beneficial because hazards like severe weather, accidental fires, and burglaries can cause expensive losses for North Dakota homeowners who are not insured.

Your home insurance gives you a backup plan if your property is impacted by a damaging event. Whether you are dealing with a fire, an electrical storm, a blizzard, or a rash of burglaries, you can rest assured that you are covered when you have a suitable North Dakota homeowners insurance policy. 

Here are some of the ways that your home insurance policy can protect you:

  • Pays to Repair or Replace Your Home and Your Belongings
    • Example: A windstorm causes a tree to uproot and fall onto your house. It damages a structural wall and a significant amount of your personal property.
  • Pays for Someone Else's Injuries or Property Damage When It's Your Fault
    • ExampleYour dog gets loose and bites a neighbor.
  • Pays for Temporary Living Expenses When Your Home Is Damaged
    • Example: You need to stay in a hotel while your house is being repaired following an accidental fire that left your home structurally unsound.

We can’t be 100% certain, but last year alone, insurance companies paid out more than $203 million in home insurance claims just in the state of North Dakota. That's a lot of unfortunate events happening to North Dakota homeowners.

Insurance companies calculate home insurance costs based on the value of your home and property and the likelihood that something bad will happen to it. The more likely it is that a harmful event can damage your house, the more expensive your home insurance policy will be.

These potential disasters are called "risks” or “exposures.” Let’s take a look at how risky North Dakota is compared to the rest of the country.

Crime:

The burglary rate in North Dakota is a bit lower than the national average.

  • Average number of burglaries per 1,000 homes in ND: 3.58
  • Average number of burglaries per 1,000 homes in the US: 3.76

You can reduce your risk of being targeted by burglars by keeping doors and windows securely locked, keeping entryways well-lit and unobstructed from view, and installing a home security system. Taking these extra steps to safeguard your house can often result in reduced prices on your homeowners insurance rates.

Weather:

Damaging weather events like storms and hail have the potential to wreak havoc on residential properties in this state.

  • Number of federally declared disasters in ND since 1953: 64
  • Most common causes of disasters in the state: Floods, severe storms, and tornadoes
  • Average number of tornados per year in the state: 31.0
  • Amount paid in home insurance claims in 2019: $203,795,000

You will want to be sure that your home insurance provides all the coverage you need to fully rebuild and replace your property before disaster strikes. An independent insurance agent can help.

Home Values:

  • Average home value in ND: $194,700
  • Average home value in the US: $188,900

The size of your home can also affect your rates, because the bigger your house is, the more property you are likely to have inside. Contents insurance is typically calculated as a percentage of your dwelling coverage.

When it comes to homeowners insurance, there is no such thing as an insurance company that can be considered “best” for everyone. The policy that offers the most value to you and your family may not be the most ideal choice for your neighbor down the street.

That is why independent agents don’t just look at quotes from one insurance company. Instead, these experienced agents compare policies and rates from multiple competing providers. That way, they can find you a competitively priced policy that does the best job of meeting all of your coverage needs.

Yes! There are currently 43 independent insurance agents in North Dakota who are ready to help.

Did you know that independent insurance agents can work with several different insurance providers to find you the best rate for coverage? That way, you can be sure you’re buying a policy that meets all your coverage needs at a competitive price.

How does home insurance work?

Find the Best Insurance in Your City

How does your city measure up to the national average?

National average burglary rate 4.69 per 1,000 homes

National average home value $188,900

National average home insurance cost $1,173 year

CityAvg. home valueBurglaries / 1,000 homesAnnual insurance cost
Bismarck$274,2773.40$1,381
Devils Lake$168,0363.83$1,002
Dickinson$272,8521.49$1,163
Fargo$256,1475.56$1,349
Grafton$165,9084.74$1,035
Grand Forks$269,2933.75$1,293
Jamestown$168,1004.81$1,165
Lincoln$282,4670.76$1,224
Mandan$228,0824.62$1,271
Minot$253,2694.36$1,288
Valley City$164,5964.20$1,012
Wahpeton$173,0471.53$1,212
Watford City$278,3971.01$904
West Fargo$279,3042.81$1,330
Williston$210,0513.72$979
  1. $112
  2. Fargo, ND Monthly average home insurance cost
  3. The average monthly cost of home insurance in Fargo is $112.
  4. Your homeowners insurance rates are completely customized according to details about your house and other considerations such as how many people live in it and the crime rate in your ZIP code. Your actual monthly premiums may therefore be higher or lower than this average. Request quotes from a few competing insurance companies to find out how much a policy will cost you. 
  5. Fargo has a fairly high crime rate when compared to the rest of the state and the nation overall. In fact, this city sees about 600 burglaries a year. It is therefore important that you take precautions like using deadbolt locks to help secure your home. Fortunately, your Fargo homeowners insurance covers you against property loss and damage to your house if you are the victim of a property crime. If you have a home security system installed in your house, you may even qualify for a discount on your home insurance premiums.
  6. Talk to a local independent agent to learn more about this and other potential discounts for which you may be eligible.


  1. $115
  2. Bismarck, ND Monthly average home insurance cost
  3. The average monthly cost of home insurance in Bismarck is $115.
  4. Not all Bismarck homeowners will pay the same amount for coverage, of course. This average rate should just serve as a baseline. Your actual monthly rate is based on factors like the crime and weather risks in your ZIP code, the size and value of your home, the building materials used in your home’s construction, your claims history, and more.
  5. Severe storms can be a problem in Bismarck. Whether your house is damaged due to a lightning strike, an uprooted tree, or high winds, when you have a solid Bismarck homeowners insurance policy, you can rest assured that your property can be returned to normal without your needing to face a large personal expense. 
  6. Consult a local independent insurance agent to learn more about how your homeowners insurance policy can shield you from financial losses caused by severe weather events in Bismarck.


  1. $108
  2. Grand Forks, ND Monthly average home insurance cost
  3. The average monthly cost of home insurance in Grand Forks is $108.
  4. Your insurance rates aren’t going to be identical to your neighbor's. While everyone in your neighborhood may face the same crime and weather risks, there are many more variables in play when it comes to calculating home insurance rates. Your premiums will also be based on factors like the size and value of your home, the age of your roof, your claims history, the amount of your deductible, and sometimes even your credit score. Your monthly rate for homeowners insurance may therefore be higher or lower than this city’s average.
  5. Residents of Grand Forks, especially those who live near the Red River, are no stranger to the damaging effects of floods. FEMA estimates that just one inch of rainwater in your home can lead to as much as $25,000 in damage. Unfortunately, flood damage is not covered by homeowners insurance. For this, you will need a supplemental flood insurance policy. Flood insurance takes 30 days to go into effect, so do not wait until heavy rains are imminent to purchase a policy
  6. In addition to finding you the best and most affordable homeowners insurance policy, a local independent agent can help you review your flood risk and can assist you with securing a reasonably priced flood insurance policy through the National Flood Insurance Program (NFIP).


  1. $107
  2. Minot, ND Monthly average home insurance cost
  3. The average monthly cost of home insurance in Minot is $107.
  4. Of course, what you will be expected to pay may differ from this average amount depending on the specific risks associated with your home. Your rate will be calculated according to factors like the size of your home, the crime rate and weather risks in your ZIP code, the age of your roof, your credit rating, and more. 
  5. One of the most destructive hazards you face as a homeowner is a residential fire. In addition to severely damaging or destroying your house, a fire can lead to a total loss of your personal belongings, including your furniture, electronics, clothing, and precious items. Fortunately, your homeowners insurance has you covered. This insurance cannot bring back your irreplaceable items, but it can give you peace of mind in knowing you will be able to afford to rebuild and replace as necessary.
  6. A local independent agent can help you make sure that the coverage levels in your Minot homeowners insurance policy are high enough to fully cover all of your property against a total loss.


  1. $82
  2. Williston, ND Monthly average home insurance cost
  3. The average monthly cost of home insurance in Williston is $82.
  4. Homeowners insurance rates in Williston can vary significantly from one homeowner to the next. Your actual rate will be based on factors like the size, value, and location of your home; the age of your roof; the materials used in your home’s construction; your claims history; and, in some cases, even your credit score.
  5. Winters in Williston can be rough. When snowstorms and blizzards hit the area, this can result in heavy snow on your roof and the formation of ice dams. This, in turn, can damage roofs, gutters, and eaves. Additionally, freezing temperatures present their own risk. In 2019, this city hit its record low temperature of -43 °F. If you are unable to keep your house sufficiently heated when temperatures get this low, pipes can burst and lead to excessive water damage in your home. Fortunately, these risks are all covered by home insurance.
  6. Contact a local independent insurance agent near you to learn more about the many ways that a solid homeowners insurance policy can cover you against the risks you are likely to face as a property own in Williston.