North Dakota Flood Insurance

Find the Best Flood Insurance Rates and Companies in North Dakota

For North Dakota residents, it's almost as though packing sandbags is part of the college student's rite of passage. But one doesn't have to live in the Red River Valley to encounter floodwaters. In the flat, open spaces of North Dakota, it's not a matter of whether a flood will affect your home or property, but when. Before you search for flood insurance, however, there are several factors to consider.

Fortunately, a local independent insurance agent in North Dakota can help you find the right type of flood insurance. They can help you get set up with all the coverage you need for your unique property. But first, here's a breakdown of North Dakota flood insurance coverage, average costs, and more. 

The Best Flood Insurance Companies in North Dakota

You can find flood insurance from private flood insurance companies in North Dakota, but some have a better reputation than others. These are our top picks for outstanding flood insurance companies in North Dakota. 

• Progressive: This carrier sells flood insurance, along with a large catalog of personal and business insurance products. Progressive has excellent financial strength, offers 24/7/365 customer service, and provides many discount options.
• REInsure Pro: This insurance company sells flood insurance and with many types of personal insurance products. REInsure Pro works with independent insurance agents and offers fast claims responses.

Your independent insurance agent can compare North Dakota flood insurance quotes and policies from several carriers for you.

How to buy flood insurance in North Dakota

FEMA's National Flood Insurance Program (NFIP) and private insurance companies each sell flood insurance in North Dakota. A local independent insurance agent can help you find the right type of policy for your property, whether it's commercial or residential. They know which carriers offer the best blend of coverage and cost. 

Is Flood Insurance Required in North Dakota? 

It's possible, depending on your location. Properties located in high-risk flood zones in North Dakota are often required to have flood insurance. But you may also be required to carry coverage if you have a mortgage on your property. 

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What Does Flood Insurance Cover in North Dakota?

North Dakota flood insurance is designed to protect against natural flood damage to your personal property and other contents, as well as the structure and foundation of the home or office building. Flood insurance includes the following:

• Contents coverage: This can pay for natural food damage to personal or business property in your home or office building, including clothing, furniture, window treatments, décor, electronics, window air-conditioners, portable appliances, carpeting, and flooring. 
• Buildings coverage: This can pay for natural flood damage to the structure of your property, including its foundation, plumbing, electrical systems, built-in appliances, furnaces, and air conditioning units, and permanently installed carpeting.

Your North Dakota independent insurance agent can help you get equipped with enough flood coverage in each category.

What's Not Covered by Flood Insurance in North Dakota? 

You'll need to add comprehensive coverage to your auto insurance policy in North Dakota, since flood insurance doesn't cover damage to vehicles. In addition, flood insurance typically excludes coverage for all of the following:

• Additional living expenses, such as temporary housing
• Property and belongings outside of the insured building, such as walks, decks, patios, fences, trees, plants, wells, septic systems, seawalls, hot tubs, and swimming pools
• Personal property kept in a basement
• Financial losses caused by business interruption or loss of use of the insured property
• Currency, precious metals, and valuable papers such as stock certificates 
• Preventable damage caused by moisture, mildew, or mold
• Flood damage caused by sewer line breaks or backups*

*If you want protection for your home against flooding caused by sewer backups, ask your North Dakota independent insurance agent about adding an endorsement to your home insurance. 

How Much Does Flood Insurance Cost in North Dakota?

North Dakota flood insurance costs an average of $820 per year, or approximately $68 per month. Then, how much is flood insurance in North Dakota compared to the country as a whole? The current national average flood insurance cost is $899 per year, or approximately $75 per month, meaning property owners in North Dakota pay a bit less for coverage. 

Local flood insurance rates are set by FEMA and the NFIP using North Dakota flood insurance rate maps. Additionally, North Dakota flood insurance rates can also be affected by all of the following:

• The type of coverage you purchased
• The location, design, building materials, and age of your home
• Whether or not your home has a basement
• Your home's flood zone designation
• The deductible and amount of coverage you need
• The value of your home’s contents 

Your independent insurance agent can help you find affordable flood insurance coverage in North Dakota.

North Dakota Flood Zones

Using FEMA's official website, you can find your North Dakota flood risk assessment. Also, you can access the following comprehensive and user-friendly documents:

• North Dakota flood zone maps
• Bismarck, North Dakota, flood maps
• North Dakota flood zone map PDFs
• North Dakota flood plain maps

A property's North Dakota flood zone designation can also affect flood insurance premiums. That's why it can be helpful to know your specific flood zone and how it can impact your coverage rates before shopping for flood insurance. 

North Dakota cities with the highest flood risk

Certain areas of North Dakota are more prone to flood disasters than others. If you own property in any of these cities, you might be required to carry flood insurance:

1. Edgeley
2. Sawyer
3. Crary

Your independent insurance agent can help you find the required flood insurance in any town in North Dakota. 

How to Lower Flood Insurance Costs in North Dakota

While you can't avoid the harsh winters and dramatic snowmelt each year in North Dakota, you can at least be prepared with the right flood insurance to avoid financial losses. Further, you have a few options to help potentially reduce your coverage rates, such as by doing any of the following:

• Obtaining an elevation certificate: This document outlines the flood risk for your property, providing information such as your flood zone and the height of your lowest floor. Elevation certificates will no longer be required under FEMA’s new risk rating methodology, Risk Rating 2.0. However, property owners can still submit one to lower their insurance costs. 
• Choosing a higher deductible: Higher deductibles can lower your flood insurance premiums. Just keep in mind that you'll have to pay more out-of-pocket when filing a claim. 
• Elevating your home's utilities: Ensure your foundation has floodwater openings to allow water to be drained out immediately in the event of a flood. This not only better protects your home from flood damage, but it can also reduce your flood insurance premiums.
• Upgrading or retrofitting your home: Ensure your living spaces are elevated, and verify the base elevation rate for your area to determine the optimal height for your space. Having an appropriately elevated living space can help reduce your property's risk of flooding and lower your flood insurance premiums. 
• Comparing quotes from the NFIP and private flood insurance companies: Sometimes, private flood insurance is cheaper. It also usually comes with higher coverage limits than NFIP polices. 

An independent insurance agent in North Dakota can help you find all the flood insurance discounts you're eligible to receive.

How to Apply for Flood Insurance in North Dakota

North Dakota flood insurance is available from all of the following:

1. FEMA's National Flood Insurance Program (NFIP)
2. Private flood insurance companies in North Dakota
3. Local independent insurance agents in North Dakota

If you choose to work with a local North Dakota independent insurance agent, they can help you find the right flood insurance policy for your unique property by comparing options from several different carriers. 

How to File a Flood Insurance Claim in North Dakota

After a flood disaster, fortunately, it's an easy process to file an insurance claim. If you ever need to file a flood insurance claim in North Dakota, follow this simple guide:

• Step 1: Contact your insurance company or agent: Be prepared with your insurance information, including your policy number, before calling your flood insurance company or North Dakota independent insurance agent. Report the disaster immediately to start the claims process.
• Step 2: Prepare evidence: Wait to reenter your property until officials evaluate the structure and determine it's safe. Then, you'll need to prepare a detailed written report, along with photo and video evidence of any property damage, for your insurance company. 
• Step 3: Work with your claims adjuster: A claims adjuster will be sent to your property to perform an in-person inspection to evaluate the extent of the damage. Your adjuster might provide you with a reimbursement estimate at this time. 
• Step 4: Get paid: Finally, you'll be issued your claim payout. You might receive a direct deposit or a check in the mail. The amount you receive depends on the terms of your coverage. 

A North Dakota independent insurance agent can file flood insurance claims directly through your carrier and walk you through the entire process. They can also provide you with an ETA for when you can expect reimbursement. 

Save on Flood Insurance

Our independent agents shop around to find you the best coverage.

Request a quote

FAQs About Flood Insurance in North Dakota