North Dakota Homeowners Pay Average Insurance Costs Compared to the Rest of the Country

"North Dakota homeowners face mid-range homeowners insurance premiums compared with the rest of the U.S. While costs are not as high as those in Gulf Coast states, they trend above some nearby Midwestern states, reflecting the state's exposure to severe winter weather, flooding, and storms. Data from the U.S. Census Bureau and the Realtor.com® 2025 Climate Risk Report place North Dakota firmly in the middle of the pack."

"Compared with nearby states, North Dakota sits in the middle range. Minnesota homeowners with a mortgage typically pay $1,500-$1,999, aligning closely with North Dakota. South Dakota averages the same, while Montana homeowners with a mortgage also pay $1,500-$1,999. By contrast, Iowa and Wisconsin are more affordable, averaging $1,000-$1,499 for mortgaged households. This places North Dakota in line with its Upper Plains neighbors, but higher than states to the south and east."

North Dakota homeowners generally face mid-range homeowners insurance premiums compared with national and regional peers. Homeowners with a mortgage typically pay $1,500–$1,999 annually, while those without a mortgage average $1,000–$1,499. The state has 221,823 insured homeowner households, including 130,595 with a mortgage and 91,228 without, with some households paying under $100 or over $4,000. North Dakota’s costs align with Minnesota, South Dakota, and Montana but exceed averages in Iowa and Wisconsin. Climate-driven risks such as severe winter weather, flooding, and storms contribute to elevated premiums.

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