Data · July 2026 data · 15-month trend
North Dakota Flood Insurance Costs
Flood insurance policies newly written or renewed in North Dakota during July 2026 carried an average premium of $1,039. The state pays more than the country as a whole — 5.5% above the $986 national average. Costs have risen 12.2% year over year. The month's tally covers 364 policy transactions across 28 counties, with Traill County posting the highest average premium at $6,937.
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 — July 2026
- Average premium
- $1,039
- Avg total cost (with fees)
- $1,359
- Change (year over year)
- +12.2%
- vs national average
- +5.5%
- Policies written or renewed
- 364
- Counties reporting
- 28
North Dakota trend, last 15 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 | |
| July 2026 | $1,039 | $1,359 | 364 |
County breakdown — July 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 |
|---|---|---|---|---|
| Traill County | $6,937 | $8,371 | 4 | |
| Billings County | $3,151 | $4,015 | 1 | |
| Ransom County | $2,102 | $2,552 | 1 | |
| Barnes County | $1,446 | $1,801 | 10 | |
| Stutsman County | $1,358 | $1,674 | 12 | |
| McKenzie County | $1,348 | $1,888 | 5 | |
| Eddy County | $1,208 | $1,497 | 1 | |
| Burleigh County | $1,169 | $1,462 | 62 | |
| Grand Forks County | $1,088 | $1,476 | 30 | |
| Mercer County | $1,069 | $1,378 | 10 | |
| Emmons County | $1,048 | $1,533 | 2 | |
| Ward County | $1,011 | $1,323 | 55 | |
| Stark County | $1,007 | $1,336 | 6 | |
| Oliver County | $990 | $1,240 | 1 | |
| Morton County | $974 | $1,350 | 21 | |
| Pembina County | $830 | $1,089 | 6 | |
| Cass County | $770 | $1,041 | 119 | |
| Cavalier County | $666 | $1,083 | 1 | |
| Williams County | $647 | $835 | 1 | |
| Ramsey County | $582 | $871 | 4 | |
| Richland County | $568 | $742 | 4 | |
| Walsh County | $537 | $705 | 2 | |
| Sioux County | $495 | $656 | 1 | |
| Burke County | $358 | $494 | 1 | |
| Hettinger County | $333 | $690 | 1 | |
| Griggs County | $325 | $456 | 1 | |
| McIntosh County | $320 | $450 | 1 | |
| Pierce County | $204 | $538 | 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, July 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.