North Dakota Home InsuranceFlood insurance discounts in North Dakota
Flood discounts in North Dakota
Flooding is never covered by a standard homeowners policy. But where you live can cut the price of a flood policy: communities in FEMA's Community Rating System earn their residents a discount automatically.
Of the 361 North Dakota communities in the National Flood Insurance Program, 12 are in the rating system. Everywhere else, there is no community discount at all.
| Community | Class | Discount in high-risk zones |
|---|---|---|
| Fargo | 5 | 25% |
| Grand Forks | 5 | 25% |
| Minot | 6 | 20% |
| Bismarck | 7 | 15% |
| Carpio | 8 | 10% |
Source: FEMA NFIP Community Status Book.
Within 24 hours a licensed agent will email you back a competitive quote.
Not an automated estimate — a licensed agent reviews your details personally.
Request a quote