58601 Climate Risk & Insurance Guide (2026)
58601 in Dickinson, ND: severe storm and wildfire risk, est. insurance $971–$1,578/yr, and buyer guidance before you close.
Dickinson, North Dakota 58601, United States
Data retrieved: Jul 30, 2026 at 19:22 UTC
Overall Risk
Below the national median (safer than most)
County-level composite
Est. Annual Insurance
$971 – $1,578
Directional range
Premium Strain
1.73% of median income
moderate
Flood Insurance
Not required
Parcel falls outside SFHA
Quick buyer brief
What makes 58601 different
A short, indexable summary for buyers comparing 58601 with nearby options in Dickinson.
58601 ranks below the national median (safer than most) for overall climate risk, with the biggest current drivers being tornado or wildfire.
Buyers in this ZIP should budget roughly $971 - $1,578/yr for homeowners insurance before carrier-specific adjustments. Flood insurance looks less likely to be mandatory, but parcel checks still matter.
If you are choosing between nearby ZIP codes, compare this page with the city overview and the nearby-ZIP links below before you write an offer.
Insurance Market Context
These scores are county-level composites derived from FEMA National Risk Index. Individual parcels may differ significantly. This is not a property appraisal.
Market Pressure
LOW
North Dakota has a stable admitted-carrier market. Standard brokers can write policies here.
Admitted Market Share
88%
Carriers exiting at 1.2% YoY in North Dakota.
Residual Market
$1,300–$2,600
annual · last-resort
FAIR Plan / Citizens exposure up 5% since 2020.
Premium Strain Index
Insurance is roughly 1.7% of median household income — manageable but worth budgeting for.
Premium-to-income ratio. Based on state Department of Insurance filings, average annual premiums in this area range from $971 to $1,578. Not an insurance quote. The First Street 12th National Risk Assessment characterizes any ZIP above 5% as financially unsustainable.
Stark County Hazard Breakdown
Scores below are from the federal National Risk Index at the county level, refined with parcel-level signals where available (FEMA NFHL for flood, USDA WHP for wildfire, USGS PGA for earthquake, NWS for heat).
Data pending
Hurricane
Low riskBottom 20% nationally (safer than most)
Earthquake
MinimalBelow the national median (safer than most)
Extreme Heat
LowBelow the national median (safer than most)
Flood
LowBelow the national median (safer than most)
Wildfire
LowAround the national median
Severe Storm / Tornado
ModerateWhat each hazard means for you
Expand any card to see the federal source citation and the buyer-specific action items our research team recommends for this hazard profile.
Hurricane Risk
NRI inland hurricane / tropical-storm remnant risk: Bottom 20% nationally (safer than most) for inland wind and rain exposure (county-level, based on historical tropical cyclone tracks). Storm surge does not apply at this inland location.
FEMA · National Risk Index (HRCN)
Earthquake Risk
Bottom 20% nationally (safer than most) for earthquake exposure. USGS PGA: 0.026g (site class D). Geologically stable region; earthquake is not a meaningful property risk here.
USGS · Design Maps (ASCE 7-16) + NRI
Extreme Heat
Long-term heat risk: Below the national median (safer than most) (NRI county baseline). This reflects multi-decadal extreme-heat exposure, not the current week's weather.
NOAA · National Risk Index (HWAV)
Flood Risk
County NRI flood risk: Below the national median (safer than most) for flood exposure. NFHL parcel query unavailable.
FEMA · National Risk Index
Wildfire Risk
Blended wildfire risk: Below the national median (safer than most). USDA Wildfire Hazard Potential at parcel: Very Low (Class 1/5). County NRI wildfire risk: Around the national median. The parcel-level USDA score moderates the county NRI signal.
USDA · WHP + National Risk Index
Severe Storm / Tornado
NRI severe-storm risk: Around the national median for severe-thunderstorm, hail, straight-line wind, and tornado exposure (county-level).
FEMA · National Risk Index (TRND)
FEMA Flood Zone
Is this specific parcel in a Special Flood Hazard Area?
The free address snapshot queries FEMA NFHL point-in-polygon and returns your exact FEMA Flood Zone (A, AE, X, etc.) in seconds.
Run a free address lookupCarrier Outlook
North Dakota has a stable admitted-carrier market. Standard brokers can write policies here.
Data Sources
Data Sources & Methodology
FEMA— National Risk Index
Retrieved July 30, 2026
FEMA— National Risk Index (HRCN)
Retrieved July 30, 2026
USDA— WHP + National Risk Index
Retrieved July 30, 2026
USGS— Design Maps (ASCE 7-16) + NRI
Retrieved July 30, 2026
NOAA— National Risk Index (HWAV)
Retrieved July 30, 2026
FEMA— National Risk Index (TRND)
Retrieved July 30, 2026
What buyers should know
Buying in 58601: a risk primer
Before you write an offer on a home in Dickinson, understand how climate and insurance costs affect long-term ownership in 58601.
58601 in Dickinson, North Dakota, scores below the national median (safer than most) on our composite climate-risk index. That ranking reflects the combined influence of tornado (48) and wildfire exposure (35) in this ZIP code. Before writing an offer, buyers should understand which hazard drives the score and how it shows up in insurance premiums and long-term maintenance costs.
The data below is assembled from five federal sources — FEMA (flood and National Risk Index), NOAA (storm history and heat), USGS (seismic design), and USDA (wildfire hazard potential) — and is refreshed quarterly. Use it as a starting point for due diligence, not a substitute for a licensed inspector, structural engineer, or insurance agent.
Tornado risk in 58601
The tornado score for 58601 is 48 (moderate), which is around or slightly above the national median.
For a specific address inside 58601, this score can shift meaningfully. A home on a ridge may have lower flood exposure than one in a valley; a parcel surrounded by irrigated lawn may have lower wildfire exposure than one against open space. The $19 Risk Before Buy report resolves these parcel-level differences and includes a 30-year projection for each hazard.
Wildfire risk in 58601
The wildfire exposure score for 58601 is 35 (low), which is below the national median. Wildfire is not the dominant hazard in 58601 based on current USDA and NRI data. The primary benefit is broader carrier choice and lower wildfire surcharges.
For a specific address inside 58601, this score can shift meaningfully. A home on a ridge may have lower flood exposure than one in a valley; a parcel surrounded by irrigated lawn may have lower wildfire exposure than one against open space. The $19 Risk Before Buy report resolves these parcel-level differences and includes a 30-year projection for each hazard.
Insurance is where climate risk becomes a monthly payment. In 58601, our directional estimate for a standard homeowners policy plus required hazard coverage is $971 – $1,578 per year. That estimate assumes a mid-range home and does not include optional coverages such as earthquake, flood (where not required), or higher wind deductibles.
Relative to local incomes, that premium range equals approximately 1.73% of the Stark County median household income — a moderate premium-to-income burden. As a rule of thumb, premiums above 3–4% of household income begin to compress affordability and can reduce the pool of future buyers when you eventually sell.
Buyer action items
- Get carrier quotes early. Ask at least two admitted-market carriers and one surplus-line broker for a homeowners quote that explicitly includes tornado and wildfire exposure. Do this before the inspection contingency expires.
- Add a climate contingency to the purchase agreement. Our free North Dakota-specific contract templates let you make the deal contingent on acceptable insurance premiums, flood-zone status, or seller-provided mitigation documentation.
- Order hazard-specific inspections if the top risks warrant it. In 58601, that may mean a flood-zone determination, a wildfire/defensible-space assessment, a structural/seismic review, or a wind-mitigation inspection depending on which hazards score highest.
Frequently asked questions about 58601
Ready to underwrite 58601?
Get the full address-level report
Both tiers use verified federal data. The $19 snapshot is your pre-offer feasibility check (delivered within 5 minutes). The $99 audit adds parcel flood verification, market context, claim history, and a negotiation brief (within 24 hours).
Full Report
Tier L2
Address-level hazard and insurance feasibility snapshot — five hazards, 30-year projections, carrier pressure signals, and a buy / negotiate / walk-away read for pre-offer buyers. PDF delivered within 5 minutes.
- Five-hazard score breakdown: flood, wildfire, hurricane, earthquake, heat
- 30-year federal climate projections for heat, wildfire, and sea level rise
- Insurance premium estimate range based on state DOI filings
- Clear buy / negotiate / walk-away recommendation with plain-language reasoning
- Comparable lower-risk communities within 25 miles (up to 3 when available)
- Plain-English explanations of SFHA, BFE, residual market, and other insurance terms
- Single PDF you can share with your partner, agent, or inspector
Best for: pre-offer sanity check
Delivered: PDF by email within 5 minutes
Federal data: FEMA, USGS, NOAA, USDA, EPA
Delivered by email within 5 minutes of payment.
Pre-Purchase Audit
Tier L3
Under-contract diligence package: parcel flood zone verification, state insurance market analysis, NOAA claim history, and an evidence-backed negotiation brief to assess earnest-money risk. PDF delivered within 24 hours.
- Everything in the $19 Full Report
- Parcel-level FEMA flood zone verification (Zone A/AE/VE/X — point-in-polygon)
- State insurance market analysis: admitted carrier share, exit rate, residual market growth
- Premium Strain Index — insurance cost as % of local median income, with 2% / 5% affordability benchmarks
- 10-year NOAA Storm Events claim history for the ZIP code
- Negotiation leverage brief with specific, evidence-backed seller-concession asks (typically 3–5; fewer when data is limited)
- Total carrying cost estimate: HO-3 baseline + standalone perils + residual market fallback
- Identifies whether the property may become hard to insure before you close
- Gives you specific talking points for price, credits, and contingency negotiation
Best for: under-contract buyers
Delivered: PDF by email within 24 hours
Includes: 7-day no-questions-asked refund
Delivered by email within 24 hours of payment.
Nearby ZIP risk profiles in Stark
Compare climate and insurance risk across neighboring ZIP codes before you commit to a specific address in Dickinson.
Explore 58601 in context
Indexable hub links for buyers comparing 58601 with the wider Dickinson market and North Dakota insurance trends.
Dickinson climate risk overview
City-level hazard scores and insurance context for Dickinson, ND.
North Dakota buyer guides
State-wide insurance market pressure and regional hazard patterns.
High-risk area buyer checklist
Questions to ask before writing an offer in 58601.
Free contract templates for North Dakota buyers
Download free climate-risk contingency addendums written for North Dakota purchase agreements. Add tornado, wildfire, or extreme-heat contingencies to your offer.
Browse free templates