State Risk Profile
North Dakota ND
North Dakota's housing risk is led by river flooding and increasing summer heat, not by the coastal hazards that dominate national attention.
Statewide Profile
- Population
- 0.8M
- Insurance Market
- Low Pressure
- Cities Profiled
- 0
- Last Reviewed
- 2026-06-06
Risk Summary
North Dakota is mostly a flood state, with river systems and snowmelt patterns driving major local exposure.
Flood risk is strongest along the Red River and other major systems, while heat and drought have become more visible secondary concerns.
Insurance Market
Insurance is broadly stable, though floodplain communities can face higher costs and more stringent diligence needs.
- River flood history is a major due-diligence item in exposed communities.
- Heat still matters in homes built for colder expectations.
Notable Events
Significant state-level events
Souris River flooding
Long-duration flooding affected communities in the northwestern part of the state.
Northern Plains heat
Hotter summer periods added a rising operational burden.
City Directory
North Dakota cities coming soon
City-level profiles for North Dakota are being prepared. The statewide risk profile and insurance notes are live above.
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