Popular Questions about Homeowners Insurance in North Dakota

The annual average home insurance rate in North Dakota is $1,253, which is slightly more expensive than the national amount of $1,211 per year. To get the lowest costs on home protection, obtain tailored quotes from an adviser for free.

Each North Dakota home insurance policy will come with the following standard limits to protect against fire, theft, vandalism, and natural disaster:

  • Dwelling value
  • Other structures
  • Personal property
  • Personal liability
  • Medical payments
  • Additional living expenses

In North Dakota, you're not required by law to carry homeowners insurance. However, if you have a mortgage or lienholder on your home, they will mandate proof of coverage to obtain a loan. Since North Dakota had $203.8 million paid in home claims in one year alone, the proper protection is necessary to avoid serious financial loss.

Your North Dakota homeowners insurance rates are calculated by carriers using the following information:

  • Replacement cost of home
  • Coverages selected
  • Past claims reported
  • Local crime rates

In North Dakota, you can work with multiple carriers, but some stand out above the rest. State Auto, Safeco, and Nationwide insurance companies come highly rated in North Dakota. This is due to their quick claims service and broad coverage selection. To find the best market for your situation, consult with a licensed professional for free.

Yes, North Dakota has 43 independent insurance agencies to work with for homeowners coverage. They'll compare your policy through dozens of markets to get the best rates in town. Plus, an independent insurance agent is free to work with, making it a no-brainer.

Do You Know What Your North Dakota Home Insurance Covers?

Find the Best Homeowners Insurance in Your City

How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,211 year

CityAvg. home valueBurglaries / 1,000 ResidentsAnnual 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 800 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.


  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. 


  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


  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.


  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 one recent year, this city hit a 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.