North Dakota
flood insurance data
- The median paid claim, $3,452, is 90.7% below the national median of the same years ($37,248), the lowest of 51 States and territories.
- Of the 11,583 owner registrations FEMA inspected in North Dakota after disasters of every declared type, 20.8% show more than $30,000 of FEMA-inspected damage, against 2.6% nationally. The disaster with the most inspections is DR-1981, FLOODING (declared 2011-05-10), with 6,516.
- Residential NFIP policies counted by FEMA fell 48.7% between 2019 (10,066) and 2025 (5,163); the count peaked in 2020 (12,694).
- 2019 alone holds 58.2% of the paid claims (year of loss 2015-2024).
Source: FEMA, OpenFEMA NfipPolicies (v3, data as of 2026-09-09, retrieved 2026-10-11 and 2026-10-12), NfipClaims (v3, data as of 2026-09-09, retrieved 2026-10-12), DisasterDeclarationsSummaries (v2, data as of 2026-10-11, retrieved 2026-10-12), HousingAssistanceOwners (v2, data as of 2026-10-11, retrieved 2026-10-12), NfipCommunityStatusBook (v1, data as of 2026-10-11, retrieved 2026-10-12); CPI-U, U.S. city average, all items (CUUR0000SA0), annual average (BLS Public Data API v1, annual averages 2005-2025, retrieved 2026-10-12). Not an official federal report.
NFIP premiums in North Dakota
NFIP premiums: what NFIP policyholders paid, not a quote. Across 5,163 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $866, and half of them fall between $629 (Q1) and $1,197 (Q3).
The median NFIP premium in North Dakota, $866, is 17.9% below the national median ($1,055); it is the 10th lowest of 53 States and territories. With 5,163 residential NFIP policies effective 2025, North Dakota has the 12th fewest of 53 States and territories.
| Flood zone group | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| SFHA (A, AE, AH, AO, AR, A99, V, VE) | 2,538 | $638 | $894 | $1,356 |
| Outside SFHA (X, B, C) | 2,623 | $620 | $850 | $1,166 |
By flood zone
| Flood zone | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| X | 2,623 | $620 | $850 | $1,166 |
| AE | 2,351 | $638 | $892 | $1,364 |
| A | 185 | $627 | $937 | $1,312 |
Policies in force by year
| Year | Policies |
|---|---|
| 2019 | 10,066 |
| 2020 | 12,694 |
| 2021 | 7,748 |
| 2022 | 7,067 |
| 2023 | 6,392 |
| 2024 | 5,584 |
| 2025 | 5,163 |
Base of each count: the yearly figures are FEMA API counts of residential policy terms, every premium included; the median and quartiles rest on the policies effective 2025 with a positive policyCost. For 2025 both bases count 5,163 policies.
NFIP paid building claims in North Dakota
NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 165 paid claims; median $3,452, half of them between $1,233 (Q1) and $8,800 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $3,965, a monetary adjustment, not today’s cost of repair.
With 165 paid claims (year of loss 2015-2024), North Dakota has the 5th fewest of 53 States and territories.
Paid claims by year of loss
| Year of loss | Paid claims |
|---|---|
| 2015 | 1 |
| 2016 | 6 |
| 2017 | 3 |
| 2018 | 2 |
| 2019 | 96 |
| 2020 | 24 |
| 2021 | 2 |
| 2022 | 22 |
| 2023 | 8 |
| 2024 | 1 |
FEMA disaster declarations
Since 2000: 36 flood, hurricane and severe-storm declarations (DR and EM) covering North Dakota, 33 of them major disaster declarations.
North Dakota counts 36 flood, hurricane and severe-storm declarations (DR and EM) since 2000, the 17th most of 53 States and territories. Severe Storm declarations are the most frequent (22), ahead of Flood (14).
| Incident type | Declarations |
|---|---|
| Flood | 14 |
| Hurricane | 0 |
| Severe Storm | 22 |
Latest declarations
- DR-4934: SEVERE STORMS, STRAIGHT-LINE WINDS, AND TORNADOES (Severe Storm, 2026-09-01)
- DR-4895: SEVERE STORMS, STRAIGHT-LINE WINDS, AND TORNADOES (Severe Storm, 2025-10-22)
- DR-4888: SEVERE STORM, TORNADOES, AND STRAIGHT-LINE WINDS (Severe Storm, 2025-09-11)
- DR-4717: FLOODING (Flood, 2023-07-05)
- DR-4660: SEVERE WINTER STORM AND FLOODING (Severe Storm, 2022-07-13)
FEMA assistance to homeowners
Since 2002: 11,583 owner registrations inspected by FEMA in North Dakota after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.
| Damage band | Registrations |
|---|---|
| No FEMA-inspected damage | 1,851 |
| $1-$10,000 | 6,175 |
| $10,001-$20,000 | 408 |
| $20,001-$30,000 | 735 |
| More than $30,000 | 2,414 |
Disasters with the most inspections
- DR-1981, FLOODING (declared 2011-05-10): 6,516 inspections
- DR-1829, SEVERE STORMS AND FLOODING (declared 2009-03-24): 4,928 inspections
- DR-1726, SEVERE STORMS AND TORNADOES (declared 2007-09-07): 139 inspections
NFIP communities and flood maps
FEMA’s Community Status Book lists 481 NFIP communities in North Dakota: 361 participate in the NFIP and 12 (2.5%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 5 (Fargo, City of and Grand Forks, City of): FEMA applies its CRS discount to the full-risk premium of Regular Program NFIP policies in those communities, inside or outside the SFHA, not to the whole state; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in North Dakota dates from 1950-01-02 (Williams County*). 120 of these communities do not participate in the NFIP; 120 carry a sanction, 2 coded as a suspension and 0 as a withdrawal.
| CRS class | Communities |
|---|---|
| 5 | 2 |
| 6 | 1 |
| 7 | 1 |
| 8 | 5 |
| 9 | 3 |
Questions about flood insurance in North Dakota
How much is flood insurance in North Dakota?
NFIP policyholders in North Dakota paid a median of $866 for residential policies effective 2025 (5,163 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $629 and $1,197; $894 inside the Special Flood Hazard Area against $850 outside it: what NFIP policyholders paid, not a quote.
How many flood insurance claims has North Dakota had?
165 NFIP building claims were paid (year of loss 2015-2024), with a median of $3,452; the year with the most was 2019 (96). These are amounts paid, not repair cost.
Is North Dakota in a flood zone?
Of the residential NFIP policies of North Dakota (policies effective 2025), 2,538 are rated inside the Special Flood Hazard Area and 2,623 outside it (zones listed: X, AE, A), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.
Related tools
NFIP paid claims and premiums are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.
To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.
Before using these figures
A state figure mixes very different counties and flood zones. Method and limits.
Source and notice
- Owners assistance: county names not matched to a FIPS code (counted in the State total only): Spirit Lake Reservation (no match, 55 inspected); Standing Rock Sioux Tribe of North & South Dakota (no match, 6 inspected); Turtle Mountain Indian Reservation (no match, 6 inspected)
This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).