North Dakota Home-Insurance Distress by County

Home-insurance distress across North Dakota is below the national norm: 53 counties average 13/100, 46th of 52 states.

North Dakota's reading rests on a FEMA hazard average of 23/100 and NFIP flood-claim stress of 3/100.

Over three years North Dakota counties filed 10 NFIP flood claims, $13,658 paid.

Highest in North Dakota: Cass County 49/100 (#1124 US), Mckenzie County 40/100 (#1322 US), Williams County 32/100 (#1542 US), Barnes County 27/100 (#1768 US), Griggs County 27/100 (#1769 US).

North Dakota counties by insurance band: 27 low (North Dakota), 24 zero, 2 medium; North Dakota NFIP claims, three years: 10; North Dakota payouts $13,657.

North Dakota counties with the most NFIP claims: Cass 8 ($2,697); Ward 1 ($2,252); Stark 1 ($8,709) in North Dakota.

North Dakota county average fell: 13.8 in March 2026; North Dakota reads 12.8 in October 2026; North Dakota by month: March 13.8, April 13.8, May 12.8 (North Dakota), June 12.8, July 12.1, August 11.4 (North Dakota), September 13.3, October 12.8.

Highest North Dakota ZIPs, insurance distress: 85019 0 (climate 100), 85035 0 (climate 100) in North Dakota, 85215 0 (climate 100), 85029 0 (climate 100) in North Dakota, 85377 0 (climate 100), 85395 0 (climate 100) in North Dakota.

Reading the North Dakota bands: 0 of 53 North Dakota counties sit in a high or worse insurance band; North Dakota filed 10 NFIP claims in three years, $13,657 paid to North Dakota policyholders; a North Dakota county's band moves when FEMA hazard revisions, new North Dakota NFIP settlements or carrier filings change its monthly score.