Data · May 2026 data · 13-month trend
North Dakota Flood Insurance Costs
Flood insurance policies newly written or renewed in North Dakota during May 2026 carried an average premium of $853. The state pays less than the country as a whole — 13.2% under the $982 national average. Costs have risen 5.2% year over year. The month's tally covers 318 policy transactions across 25 counties, with Morton County posting the highest average premium at $1,524.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — May 2026
- Average premium
- $853
- Avg total cost (with fees)
- $1,131
- Change (year over year)
- +5.2%
- vs national average
- -13.2%
- Policies written or renewed
- 318
- Counties reporting
- 25
North Dakota trend, last 13 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $811 | $1,087 | 363 | |
| June 2025 | $866 | $1,138 | 380 | |
| July 2025 | $927 | $1,212 | 363 | |
| August 2025 | $849 | $1,109 | 385 | |
| September 2025 | $800 | $1,058 | 503 | |
| October 2025 | $795 | $1,071 | 457 | |
| November 2025 | $915 | $1,221 | 348 | |
| December 2025 | $779 | $1,064 | 365 | |
| January 2026 | $838 | $1,109 | 427 | |
| February 2026 | $783 | $1,028 | 489 | |
| March 2026 | $797 | $1,062 | 1,080 | |
| April 2026 | $832 | $1,095 | 654 | |
| May 2026 | $853 | $1,131 | 318 |
County breakdown — May 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Morton County | $1,524 | $1,961 | 10 | |
| Emmons County | $1,271 | $1,646 | 3 | |
| Barnes County | $1,214 | $1,505 | 9 | |
| Burleigh County | $1,094 | $1,390 | 41 | |
| Stutsman County | $1,039 | $1,373 | 6 | |
| Grand Forks County | $1,021 | $1,327 | 18 | |
| Eddy County | $996 | $1,247 | 1 | |
| Williams County | $992 | $1,242 | 5 | |
| Ramsey County | $985 | $1,331 | 7 | |
| McLean County | $929 | $1,393 | 1 | |
| Mercer County | $907 | $1,217 | 6 | |
| Pembina County | $831 | $1,053 | 5 | |
| Traill County | $800 | $1,016 | 3 | |
| Walsh County | $767 | $1,052 | 6 | |
| Renville County | $757 | $965 | 1 | |
| Cass County | $741 | $1,004 | 118 | |
| Stark County | $741 | $1,021 | 9 | |
| McHenry County | $708 | $1,020 | 2 | |
| McKenzie County | $692 | $1,038 | 3 | |
| Ward County | $685 | $920 | 56 | |
| Richland County | $659 | $925 | 3 | |
| LaMoure County | $606 | $900 | 2 | |
| FIPS 38000 | $559 | $957 | 1 | |
| McIntosh County | $533 | $926 | 1 | |
| Burke County | $303 | $430 | 1 |
Use this data
Download North Dakota CSV (north-dakota.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (FimaNfipPolicies).
"North Dakota Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, May 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/north-dakota
Related guides
Editorial context for reading these numbers — how NFIP coverage and pricing work in practice, and what a flood map does and doesn’t tell you.