Flood insurance in North Dakota: cost by ZIP code and county
North Dakota counts 4,618 single-family flood policies; the median bill was $867 on July 31, 2026, among the lower state medians.
Median single-family flood bill, North Dakota
$867
4,618 policies in force on July 31, 2026, premium and fees included.
| Median full-risk price, same policies | $905 |
| Policies still below their full-risk price | 42 % |
| Median paid in August 2023 | $761 |
| Increase left from the median | 1 renewal at 18 % |
| Next five bills, added up | $4,525 |
| Median claim paid, 2016 to 2025 (140 claims) | $2,708 |
Compiled by Radif Partners · Where the numbers come from · 51 ZIP codes and 23 counties of North Dakota in FEMA's tables · not a quote
North Dakota's median single-family flood bill was $867 a year on July 31, 2026, including the Reserve Fund Assessment, HFIAA surcharge and Federal Policy Fee, for 4,618 policies. That is below the national median of $1,081, and the state as a whole is close to full price: the full-risk median is $905 and 42 % of policies are still capped. Three river cities hold most of the market. Cass County, around Fargo on the Red River, has 2,004 policies at a median of $735; Ward County, around Minot on the Souris, has 966. Bismarck and Mandan are different. In Burleigh and Morton counties, on the Missouri River, the full-risk medians are $2,244 and $2,664, well above what owners pay now. Paid claims have been few: 140 on single-family homes from 2016 to 2025.
Cheap bills on the Red River
Fargo sits on the Red River of the North, where the USGS keeps a stream gauge in the city, yet the Cass County bill is low: $735 at the median, with a full-risk median of $767. Grand Forks County, further north on the same river, pays $923. Ward County is at $828 and only 35 % of its policies are capped. More than half of the state's 2023 full-risk prices, 57 %, were below $1,000, against 37 % nationally.
A North Dakota flood bill per month
The same bill per month
$72
| Per $1,000 of building coverage | $3.47 |
| National median, per month | $90 |
| National median, per year | $1,081 |
The Missouri River counties are the exception
Burleigh County, home to Bismarck, has 556 policies at a median of $1,338, and FEMA's 2023 tables named it the county with the widest gap in the state. 68 % of its policies are still below full price; a main home at the county medians has 4 renewals left at the 18 % cap. Morton County, next to Burleigh and home to Mandan, is even further behind, with 78 % capped. Barnes County, around Valley City on the Sheyenne, has the highest median bill of the large counties, $1,593.
Minot and the Souris
Ward County holds the second largest group of policies, 966, around Minot, where the USGS measures the Souris River at the Broadway Bridge. The county median bill, $828, is almost the same as the full-risk median, $849. FEMA's 2023 table shows how far the state has come: the median bill then was $761 statewide against a median full-risk price of $890. The OpenFEMA median on July 31, 2026 is $867, so the remaining gap is now small for most owners outside the Missouri valley.
Split evenly between zones
North Dakota is one of the few states where A and X zones hold almost the same number of policies, 2,308 and 2,308. Their medians are close too, $897 and $845. The claims data has no single large event in the decade, and the 140 paid claims had a median of only $2,708; 93 of them were on X zone homes. With counts this small, most counties have no claim figure of their own in the data. The cost per month page looks at monthly amounts for any bill.
The North Dakota counties with the most policies
| County | Policies | Median bill | Full-risk median | Still below full risk | Renewals left at 18 % | Median bill, August 2023 | Median claim 2016-2025 |
|---|---|---|---|---|---|---|---|
| Cass County | 2,004 | $735 | $767 | 40 % | 1 | $729 | $1,000 |
| Ward County | 966 | $828 | $849 | 35 % | 1 | $758 | n/a |
| Burleigh County | 556 | $1,338 | $2,244 | 68 % | 4 | $880 | n/a |
| Grand Forks County | 276 | $923 | $941 | 26 % | 1 | $794 | $2,545 |
| Morton County | 121 | $1,369 | $2,664 | 78 % | 5 | $884 | n/a |
| Barnes County | 111 | $1,593 | $2,030 | 49 % | 2 | $1,323 | n/a |
| Pembina County | 71 | $786 | $891 | 34 % | 1 | $730 | n/a |
| Walsh County | 42 | $812 | $837 | 31 % | 1 | $793 | n/a |
Full-risk prices of North Dakota homes, band by band
| Full risk-based price a year | Policies | Share | Median rebuild value |
|---|---|---|---|
| $0 to $1,000 | 3,499 | 57.1 % | $387,366 |
| $1,000 to $2,000 | 1,719 | 28.0 % | $462,332 |
| $2,000 to $3,000 | 464 | 7.6 % | $501,208 |
| $3,000 to $4,000 | 166 | 2.7 % | $597,684 |
| $4,000 to $5,000 | 97 | 1.6 % | $603,440 |
| $5,000 or more | 187 | 3.1 % |