Data · June 2026 data · 14-month trend
North Dakota Flood Insurance Costs
Flood insurance policies newly written or renewed in North Dakota during June 2026 carried an average premium of $919. The state pays less than the country as a whole — 8.3% under the $1,001 national average. Costs have risen 6.1% year over year. The month's tally covers 364 policy transactions across 23 counties, with McKenzie County posting the highest average premium at $1,898.
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 — June 2026
- Average premium
- $919
- Avg total cost (with fees)
- $1,199
- Change (year over year)
- +6.1%
- vs national average
- -8.3%
- Policies written or renewed
- 364
- Counties reporting
- 23
North Dakota trend, last 14 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 | $802 | $1,060 | 503 | |
| October 2025 | $796 | $1,072 | 457 | |
| November 2025 | $915 | $1,221 | 348 | |
| December 2025 | $779 | $1,064 | 365 | |
| January 2026 | $838 | $1,109 | 427 | |
| February 2026 | $787 | $1,033 | 490 | |
| March 2026 | $797 | $1,062 | 1,080 | |
| April 2026 | $832 | $1,094 | 654 | |
| May 2026 | $848 | $1,125 | 329 | |
| June 2026 | $919 | $1,199 | 364 |
County breakdown — June 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 |
|---|---|---|---|---|
| McKenzie County | $1,898 | $2,537 | 2 | |
| Barnes County | $1,497 | $1,907 | 13 | |
| Stutsman County | $1,366 | $1,728 | 5 | |
| Hettinger County | $1,255 | $1,553 | 2 | |
| Morton County | $1,241 | $1,561 | 36 | |
| Burleigh County | $1,141 | $1,432 | 81 | |
| Ransom County | $1,104 | $1,375 | 2 | |
| Williams County | $1,100 | $1,445 | 3 | |
| Emmons County | $983 | $1,307 | 3 | |
| Pembina County | $856 | $1,127 | 10 | |
| Walsh County | $832 | $1,054 | 3 | |
| Ward County | $784 | $1,056 | 46 | |
| Cass County | $748 | $979 | 93 | |
| Grand Forks County | $665 | $972 | 41 | |
| Stark County | $647 | $948 | 4 | |
| Mercer County | $605 | $861 | 6 | |
| Bottineau County | $580 | $757 | 2 | |
| Renville County | $545 | $941 | 2 | |
| Traill County | $543 | $713 | 2 | |
| Richland County | $382 | $523 | 3 | |
| Ramsey County | $365 | $502 | 2 | |
| Benson County | $308 | $435 | 2 | |
| Foster County | $244 | $585 | 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 (NFIP Redacted Policies v3).
"North Dakota Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, June 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/north-dakota
Related guides
Compare county data, then use the editorial guides to understand how NFIP coverage and pricing work in practice.