North Dakota homeowners insurance cost
Midwest region · NAIC 2022 HO-3 average · rank #32 of 51
The average annual homeowners insurance premium in North Dakota is about $1,325 for the standard HO-3 policy form (NAIC 2022 data, the latest available) — about 16% below the national average of $1,569. North Dakota ranks #32 of 51 states and DC (1 = most expensive), making it low on home-insurance cost, below the national average. The main local cost drivers are hail, severe wind, winter storms. This is a countrywide average, not a quote for your home.
Source: NAIC Homeowners Insurance Report (2022 data, latest available). Data as of June 2026.
North Dakota home insurance at a glance
| Figure | North Dakota |
|---|---|
| Average annual HO-3 premium | $1,325 |
| National average (HO-3) | $1,569 |
| vs national average | -16% (about 16% below the national average) |
| State rank (1 = most expensive of 51) | #32 |
| Cost band | Low (below the national average) |
| Region | Midwest |
Source: NAIC Homeowners Insurance Report (2022 data, latest available). Data as of June 2026.
What drives home insurance cost in North Dakota
A homeowners premium mostly reflects how likely and how expensive a claim is. In North Dakota, the main factors behind the $1,325 average are:
- hail
- severe wind
- winter storms
On top of these location factors, your own premium swings with your home's rebuilding cost (Coverage A), roof age and material, deductible, claims history and, in most states, your insurance credit score. See our premium drivers guide for how each one moves the price.
Estimated North Dakota premium by dwelling coverage
A rough idea of how the North Dakota average scales with the amount of dwelling (Coverage A) you carry. These are illustrative estimates from the state average scaled by a coverage factor — not quotes.
| Dwelling coverage (Coverage A) | Estimated annual premium |
|---|---|
| $200,000 to $299,999 | $1,325 |
| $300,000 to $399,999 | $1,696 |
| $400,000 to $499,999 | $2,067 |
| $500,000 and over | $2,650 |
Source: Estimated from the NAIC 2022 North Dakota average and a coverage-scaling factor. Data as of June 2026.
For a tailored figure use the premium estimator. The scaling factors are an approximation documented on the methodology page, not published NAIC band data.
How North Dakota compares with similar states
| State | Avg HO-3 / yr | vs national |
|---|---|---|
| North Dakota (this state) | $1,325 | -16% |
| New Mexico | $1,322 | -16% |
| Virginia | $1,332 | -15% |
| Illinois | $1,343 | -14% |
| Kentucky | $1,359 | -13% |
| Iowa | $1,268 | -19% |
Frequently asked questions
How much is homeowners insurance in North Dakota?
The average annual homeowners (HO-3) premium in North Dakota is about $1,325, about 16% below the national average of $1,569 (NAIC 2022 data, the latest available). It ranks #32 of 51 states and DC, where 1 is the most expensive. This is a countrywide average, not a quote for your home.
Why is home insurance priced the way it is in North Dakota?
North Dakota's premiums are shaped mainly by hail, severe wind, winter storms. Catastrophe exposure (wind, hail, wildfire), rebuilding costs and claims history are the biggest levers on a homeowners premium. North Dakota is low versus the national average, below the national average.
Is North Dakota home insurance going up?
Yes, like most of the country. NAIC's latest report shows the national HO-3 average rose about 11.26% in 2022 year-over-year, driven by reconstruction-cost inflation and rising catastrophe losses. 2022 is the latest published data year, so current North Dakota premiums are likely higher than the figure shown. Verify with insurers.
Is the $1,325 figure a quote?
No. $1,325 is the NAIC 2022 countrywide average HO-3 premium for North Dakota - an average across all homes and insurers, not a quote for your property. Your actual premium depends on your home's value, age, construction, roof, deductible, claims history, credit and insurer. Always get real quotes.
Keep exploring
YMYL note. The $1,325 figure is the NAIC 2022 countrywide average for North Dakota - general information, not a quote. Homeowners insurance protects one of your largest assets; actual premiums vary widely by home and insurer. Always get real quotes from licensed insurers and verify coverage with your state insurance department.
Last updated: 2026-06-20