What is a typical home insurance cost in North Dakota?
Our current modeled benchmark is $1,476 per year, with a broad modeled range of $1,240 to $1,742. This is not a published state average or insurer quote; it is a comparative model anchored to NAIC's 2024 Midwest regional premium average and adjusted using local housing and recent severe-weather data.
Cost by home value in North Dakota
These are model scenarios, not carrier quotes. Home value changes the benchmark sublinearly because insurance coverage and pricing do not move one-for-one with market value.
| Home value | Low | Midpoint | High |
|---|---|---|---|
| $200,000 | $1,002 | $1,193 | $1,408 |
| $300,000 | $1,169 | $1,392 | $1,643 |
| $400,000 | $1,304 | $1,553 | $1,832 |
| $500,000 | $1,420 | $1,690 | $1,994 |
| $750,000 | $1,656 | $1,972 | $2,327 |
| $1,000,000 | $1,848 | $2,200 | $2,596 |
| $1,500,000 | $2,155 | $2,566 | $3,028 |
Why North Dakota costs can differ
Most common recent NOAA event types: Thunderstorm Wind (1,160), Hail (875), High Wind (717), Drought (596), Heavy Snow (573).
Counties and cities
What the number means
The modeled benchmark combines a published NAIC regional homeowners premium anchor with Census housing values and NOAA severe-weather frequency. It is designed to answer comparative research questions consistently while avoiding the false precision of calling a modeled ZIP or city figure an observed insurance premium.