Best North Dakota Homeowners Insurance for 2026
American Family is our pick for best ND home insurance, but State Farm and Farmers are also worth a look
- American Family is our pick for best overall North Dakota home insurance, based on its rates, customer service and weather coverage options.
- North Dakota home insurance rates average $2,751 a year.
- Hail and wind insurance coverage is very important in North Dakota.
Best homeowners insurance in North Dakota
To find the best homeowner insurance options for varying categories, LendingTree looked at rates, coverage options and discounts, as well as North Dakota’s severe weather risks.
Best overall: American Family Insurance
Average annual rate: $1,846
Why we chose it: American Family has low annual rates, good customer service ratings and personalized coverage options. Its low complaint rating suggests it handles claims well. North Dakotans might also appreciate that roof damage is covered at replacement cost
Who it’s best for: Homeowners looking for an “all-in-one” package with good service, low rates and specialized bad-weather coverage
PROS
- Lower-than-average rates
- Good (low) complaint ratings
- Roof replacement coverage option
CONS
- May not be the absolutely cheapest option available
- In-person roof inspection may be needed for older homes
- Less local agent coverage than some competitors
Best for local service: State Farm
Average annual rate: $2,170
Why we chose it: As the largest home insurer in the U.S, State Farm can offer North Dakota homeowners a far-reaching branch network and great local agent availability. Its rates are competitive, and State Farm carries a strong financial rating, so it should be able to comfortably pay out claims even in a major disaster.
Who it’s best for: Homeowners who want a well-known, low-rate company, with easy access to branches and agents
PROS
- Competitive rates
- Extensive agent network across North Dakota
CONS
- Slightly worse-than-average complaint rating
- Not for those seeking a small, more individualized company
Best for coverage options: Farmers Insurance
Average annual rate: $3,341
Why we chose it: Farmers may not be the cheapest we surveyed in North Dakota, but it has a solid menu of options to personalize your policy, including one that allows you to rebuild your roof to higher standards if it’s damaged in a storm. It also has a better-than-average complaint rating.
Who it’s best for: North Dakota homeowners who want a wide range of coverage options
PROS
- Good (low) complaint rating
- Option to rebuild your roof to higher standards
CONS
- High rate for North Dakota
- May require roof inspection
Compare home insurance rates and ratings in North Dakota
| Company | Average annual rate * | LendingTree score | Complaint rating* | |
|---|---|---|---|---|
| American Family | $1,846 | | 0.36 |
 | Auto-Owners | $2,016 | | 0.4 |
 | Country Financial | $2,161 | | 0.1 |
| State Farm | $2,170 | | 1.35 |
 | North Star Mutual | $2,171 |  | 0.83 |
| Farmers | $3,341 | | 0.71 |
In North Dakota, rates can vary significantly between insurers, so it pays to shop around for home insurance to get the best price for your situation.
LendingTree analyzed thousands of quotes from top insurers across North Dakota to identify the best options for homeowners.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in the state.
See full methodology.
How much is homeowners insurance in North Dakota?
The average cost of home insurance in North Dakota is $2,751 per year, or $229 per month for $400,000 in dwelling coverage.
Thanks in part to lower overall home prices, North Dakota homeowners have historically enjoyed below-average insurance costs. Yet prices increased 33% over the past three years, marking the eighth-highest increase in the nation.
Average home insurance rates by dwelling coverage amount
Home insurance rates in North Dakota can vary considerably based on the amount of coverage you need for your property.
| Insurance company | $300,000 coverage | $400,000 coverage | $550,000 coverage | $750,000 coverage |
|---|---|---|---|---|
| American Family | $1,542 | $1,846 | $2,288 | $3,544 |
| State Farm | $1,861 | $2,170 | $2,645 | $4,039 |
| Farmers Insurance | $2,687 | $3,341 | $4,671 | $7,575 |
| State average | $1,826 | $2,751 | $3,441 | $4,835 |
Home insurance rates in North Dakota by city
North Dakota’s lowest average home insurance rate is in West Fargo, at $2,342 a year, followed closely by neighboring Fargo at $2,364.
Meanwhile, Menoken ($3,435 a year) and Sterling ($3,434 a year) are almost tied for the most expensive places to buy home insurance in the state, on average.
| City | Annual rate |
|---|---|
| Adams | $2,822 |
| Agate | $2,823 |
| Alamo | $3,229 |
| Alexander | $3,231 |
| Almont | $3,355 |
| Alsen | $2,811 |
| Ambrose | $3,218 |
| Amenia | $2,842 |
| Amidon | $3,194 |
| Anamoose | $2,943 |
| Aneta | $2,922 |
| Antler | $2,853 |
| Argusville | $2,824 |
| Arnegard | $3,232 |
| Arthur | $2,830 |
| Arvilla | $2,736 |
| Ashley | $3,042 |
| Ayr | $2,847 |
| Baldwin | $3,365 |
| Balfour | $2,939 |
| Balta | $2,851 |
| Bantry | $2,924 |
| Barney | $2,933 |
| Bathgate | $2,807 |
| Beach | $3,250 |
| Belcourt | $2,776 |
| Belfield | $3,188 |
| Benedict | $3,049 |
| Berlin | $2,951 |
| Berthold | $2,951 |
| Beulah | $3,317 |
| Binford | $2,900 |
| Bisbee | $2,830 |
| Bismarck | $3,273 |
| Blanchard | $2,871 |
| Bottineau | $2,771 |
| Bowbells | $2,946 |
| Bowdon | $3,123 |
| Bowman | $3,278 |
| Braddock | $3,209 |
| Brocket | $2,827 |
| Buchanan | $2,951 |
| Buffalo | $2,858 |
| Burlington | $2,955 |
| Butte | $3,244 |
| Buxton | $2,809 |
| Caledonia | $2,818 |
| Calvin | $2,818 |
| Cando | $2,808 |
| Cannon Ball | $3,348 |
| Carpio | $2,942 |
| Carrington | $2,968 |
| Carson | $3,377 |
| Cartwright | $3,187 |
| Casselton | $2,822 |
| Cathay | $2,921 |
| Cavalier | $2,815 |
| Cayuga | $2,942 |
| Center | $3,337 |
| Chaseley | $3,066 |
| Christine | $2,921 |
| Churchs Ferry | $2,829 |
| Cleveland | $2,895 |
| Clifford | $2,872 |
| Cogswell | $2,939 |
| Coleharbor | $3,253 |
| Colfax | $2,932 |
| Columbus | $2,967 |
| Cooperstown | $2,857 |
| Courtenay | $2,876 |
| Crary | $2,832 |
| Crosby | $3,161 |
| Crystal | $2,805 |
| Cummings | $2,830 |
| Dahlen | $2,901 |
| Davenport | $2,924 |
| Dawson | $2,989 |
| Dazey | $2,874 |
| Deering | $2,923 |
| Denhoff | $3,072 |
| Des Lacs | $2,984 |
| Devils Lake | $2,795 |
| Dickey | $2,959 |
| Dickinson | $3,181 |
| Dodge | $3,225 |
| Donnybrook | $2,988 |
| Douglas | $3,020 |
| Drake | $2,934 |
| Drayton | $2,795 |
| Driscoll | $3,365 |
| Dunn Center | $3,290 |
| Dunseith | $2,796 |
| Edgeley | $2,962 |
| Edinburg | $2,804 |
| Edmore | $2,804 |
| Egeland | $2,813 |
| Elgin | $3,362 |
| Ellendale | $2,935 |
| Emerado | $2,736 |
| Enderlin | $2,933 |
| Epping | $3,234 |
| Erie | $2,846 |
| Esmond | $2,841 |
| Fairdale | $2,816 |
| Fairfield | $3,187 |
| Fairmount | $2,915 |
| Fargo | $2,364 |
| Fessenden | $2,985 |
| Fingal | $2,884 |
| Finley | $2,919 |
| Flasher | $3,279 |
| Flaxton | $2,996 |
| Forbes | $2,950 |
| Fordville | $2,822 |
| Forest River | $2,818 |
| Forman | $2,924 |
| Fort Ransom | $2,943 |
| Fort Totten | $2,829 |
| Fort Yates | $3,341 |
| Fortuna | $3,226 |
| Fredonia | $2,961 |
| Fullerton | $2,952 |
| Gackle | $3,043 |
| Galesburg | $2,831 |
| Gardner | $2,816 |
| Garrison | $3,221 |
| Gilby | $2,822 |
| Gladstone | $3,157 |
| Glasston | $2,824 |
| Glen Ullin | $3,293 |
| Glenburn | $2,943 |
| Glenfield | $2,908 |
| Golden Valley | $3,272 |
| Golva | $3,185 |
| Goodrich | $3,077 |
| Grace City | $2,915 |
| Grafton | $2,800 |
| Grand Forks | $2,478 |
| Grand Forks AFB | $2,504 |
| Grandin | $2,834 |
| Granville | $2,911 |
| Grassy Butte | $3,309 |
| Grenora | $3,219 |
| Gwinner | $2,929 |
| Hague | $3,223 |
| Halliday | $3,302 |
| Hamilton | $2,827 |
| Hampden | $2,829 |
| Hankinson | $2,924 |
| Hannaford | $2,859 |
| Hannah | $2,831 |
| Hansboro | $2,824 |
| Harvey | $3,125 |
| Harwood | $2,832 |
| Hatton | $2,880 |
| Havana | $2,932 |
| Hazelton | $3,291 |
| Hazen | $3,314 |
| Hebron | $3,286 |
| Hensel | $2,810 |
| Hettinger | $3,330 |
| Hillsboro | $2,812 |
| Hoople | $2,802 |
| Hope | $2,919 |
| Horace | $2,913 |
| Hunter | $2,837 |
| Hurdsfield | $3,070 |
| Inkster | $2,812 |
| Jamestown | $2,735 |
| Jessie | $2,920 |
| Jud | $2,953 |
| Karlsruhe | $2,936 |
| Kathryn | $2,886 |
| Keene | $3,236 |
| Kenmare | $2,929 |
| Kensal | $2,875 |
| Killdeer | $3,217 |
| Kindred | $2,909 |
| Kintyre | $3,217 |
| Knox | $2,845 |
| Kramer | $2,828 |
| Kulm | $2,957 |
| Lakota | $2,817 |
| LaMoure | $2,940 |
| Langdon | $2,788 |
| Lankin | $2,823 |
| Lansford | $2,846 |
| Larimore | $2,822 |
| Lawton | $2,822 |
| Leeds | $2,827 |
| Lefor | $3,158 |
| Lehr | $2,977 |
| Leonard | $2,934 |
| Lidgerwood | $2,927 |
| Lignite | $2,995 |
| Lincoln | $3,198 |
| Linton | $3,287 |
| Lisbon | $2,947 |
| Litchville | $2,884 |
| Luverne | $2,857 |
| Maddock | $3,033 |
| Maida | $2,818 |
| Makoti | $2,991 |
| Mandan | $3,270 |
| Mandaree | $3,013 |
| Manning | $3,221 |
| Mantador | $2,934 |
| Manvel | $2,731 |
| Mapleton | $2,834 |
| Marion | $2,953 |
| Marmarth | $3,197 |
| Marshall | $3,223 |
| Martin | $3,081 |
| Max | $3,039 |
| Maxbass | $2,823 |
| Mayville | $2,825 |
| McClusky | $3,165 |
| Mcgregor | $3,240 |
| McHenry | $2,912 |
| Mcleod | $2,938 |
| McVille | $2,911 |
| Medina | $2,950 |
| Medora | $3,191 |
| Mekinock | $2,763 |
| Menoken | $3,435 |
| Mercer | $3,357 |
| Michigan | $2,907 |
| Milnor | $2,930 |
| Milton | $2,814 |
| Minnewaukan | $2,838 |
| Minot | $2,448 |
| Minot AFB | $2,478 |
| Minto | $2,801 |
| Moffit | $3,380 |
| Mohall | $2,928 |
| Montpelier | $2,890 |
| Mooreton | $2,933 |
| Mott | $3,310 |
| Mountain | $2,816 |
| Munich | $2,807 |
| Mylo | $2,821 |
| Napoleon | $3,184 |
| Neche | $2,824 |
| Nekoma | $2,805 |
| New England | $3,285 |
| New Leipzig | $3,274 |
| New Rockford | $2,904 |
| New Salem | $3,340 |
| New Town | $2,970 |
| Newburg | $2,845 |
| Niagara | $2,822 |
| Nome | $2,946 |
| Noonan | $3,220 |
| Northwood | $2,883 |
| Norwich | $2,926 |
| Oakes | $2,924 |
| Oberon | $2,836 |
| Oriska | $2,878 |
| Osnabrock | $2,807 |
| Page | $2,854 |
| Palermo | $3,008 |
| Park River | $2,806 |
| Parshall | $2,990 |
| Pekin | $2,902 |
| Pembina | $2,796 |
| Penn | $2,825 |
| Perth | $2,822 |
| Petersburg | $2,910 |
| Pettibone | $2,964 |
| Pillsbury | $2,912 |
| Pingree | $2,880 |
| Pisek | $2,820 |
| Plaza | $3,019 |
| Portal | $2,997 |
| Portland | $2,881 |
| Powers Lake | $2,968 |
| Raleigh | $3,284 |
| Ray | $3,187 |
| Reeder | $3,241 |
| Regan | $3,294 |
| Regent | $3,309 |
| Reynolds | $2,826 |
| Rhame | $3,286 |
| Richardton | $3,232 |
| Riverdale | $3,170 |
| Robinson | $3,032 |
| Rocklake | $2,819 |
| Rogers | $2,870 |
| Rolette | $2,801 |
| Rolla | $2,794 |
| Roseglen | $3,129 |
| Ross | $2,996 |
| Rugby | $2,807 |
| Ruso | $3,246 |
| Rutland | $2,933 |
| Ryder | $2,981 |
| Sanborn | $2,868 |
| Sarles | $2,819 |
| Sawyer | $2,966 |
| Scranton | $3,311 |
| Selfridge | $3,353 |
| Sentinel Butte | $3,186 |
| Sharon | $2,907 |
| Sheldon | $2,937 |
| Shell Valley | $2,777 |
| Sherwood | $2,941 |
| Sheyenne | $2,833 |
| Shields | $3,282 |
| Solen | $3,267 |
| Souris | $2,807 |
| South Heart | $3,200 |
| Spiritwood | $2,677 |
| St. Anthony | $3,346 |
| St. John | $2,791 |
| St. Michael | $2,820 |
| St. Thomas | $2,811 |
| Stanley | $2,967 |
| Stanton | $3,263 |
| Starkweather | $2,802 |
| Steele | $3,049 |
| Sterling | $3,434 |
| Stirum | $2,934 |
| Strasburg | $3,285 |
| Streeter | $2,966 |
| Surrey | $2,942 |
| Sutton | $2,856 |
| Sykeston | $2,917 |
| Tappen | $3,045 |
| Taylor | $3,160 |
| Thompson | $2,760 |
| Tioga | $3,183 |
| Tokio | $2,828 |
| Tolley | $2,974 |
| Tolna | $2,899 |
| Tower City | $2,862 |
| Towner | $2,912 |
| Trenton | $3,161 |
| Turtle Lake | $3,431 |
| Tuttle | $3,126 |
| Underwood | $3,225 |
| Upham | $2,917 |
| Valley City | $2,662 |
| Velva | $2,932 |
| Verona | $2,945 |
| Voltaire | $2,947 |
| Wahpeton | $2,895 |
| Walcott | $2,918 |
| Wales | $2,817 |
| Walhalla | $2,792 |
| Warwick | $2,842 |
| Washburn | $3,413 |
| Watford City | $3,202 |
| Webster | $2,826 |
| West Fargo | $2,342 |
| Westhope | $2,818 |
| Wheatland | $2,847 |
| White Earth | $3,026 |
| Wildrose | $3,237 |
| Williston | $3,153 |
| Willow City | $2,809 |
| Wilton | $3,411 |
| Wimbledon | $2,866 |
| Wing | $3,234 |
| Wishek | $3,046 |
| Wolford | $2,836 |
| Woodworth | $2,886 |
| Wyndmere | $2,929 |
| York | $2,839 |
| Ypsilanti | $2,949 |
| Zahl | $3,234 |
| Zap | $3,337 |
| Zeeland | $3,120 |
Current state of homeowners insurance in North Dakota
The average cost of homeowners insurance is cheaper in North Dakota than in any neighboring states. At the same time, the state average is still more than 3% higher than the national average of $2,628 a year.
North Dakota’s low population density is one factor that keeps rates low, since it helps reduce theft and vandalism claims. Likewise, the state’s average home value is well below the national average.
But the potentially harsh Great Plains weather puts upward pressure on insurance premiums. North Dakota is one of the top 10 states facing the highest weather-related financial losses — from tornadoes, which your policy usually covers, to flooding, which needs a separate flood insurance policy.
It also ranks third in the nation for winter weather-related losses. These can include burst pipes, falling trees and roof damage from a buildup of snow or ice.
Making things worse, North Dakota is also in the top five states for average home age, at 51.6 years old. An older home may need new electrical, plumbing and roofing systems more often, which drives insurance rates higher.
How to compare homeowners insurance in North Dakota
When comparing options, don’t just look at rates. Also consider:
- Coverage limits: Does the policy cover your home’s replacement cost?
- Deductibles: Higher deductibles can lower your premium but raise your risk.
- Add-ons: Consider extra coverage for weather threats or high-value items.
- Exclusions: Check what isn’t covered (like wind, hail or floods).
- Wind and hail deductibles: Many North Dakota carriers have percentage-based deductibles (often set at 1% to 10% of the dwelling value) for wind and hail claims.
And if you own one or more vehicles, consider bundling your home and auto insurance. Many insurance companies offer big discounts for this.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits your home, location and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
No, homeowners insurance is not legally required in North Dakota, but your lender will almost certainly make you get it if you have a mortgage. With North Dakota’s exposure to hail, wind and tornadoes, you’re taking a big financial risk if you go uninsured.
Insurance in North Dakota has been relatively affordable in the past, but rates are rising. Increasing storm damage and rising construction costs have pushed North Dakota home insurance costs higher in recent years.
Wind and hail damage is so common in North Dakota that most insurers carve it out into a separate risk category, often with a separate deductible based on the value of your home.
Almost one-third of flood claims from 2014 to 2024 were from areas outside high-risk flood areas, according to the Federal Emergency Management Agency (FEMA). In North Dakota’s ninth district, which includes a portion of the Red River Valley, more than 56% of flood insurance claims came from properties outside high-risk zones. For this reason, it’s worth considering flood insurance.
Methodology
How we chose the best insurance companies in North Dakota
The rates shown in this article are based on an analysis of non-binding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every North Dakota ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
How we create LendingTree ratings
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores show how well companies treat customers over things like claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.y out claims.
See our full editorial guidelines for more details.