Bismarck Home Insurance Costs (2026)

How much is homeowners insurance in Bismarck?

Homeowners insurance in the 3 Bismarck ZIP codes we priced averages $254 a month for the house we priced, with rates as of Sept. 30, 2026. The 4 major insurers we compared are Auto-Owners, Farmers Union Insurance, American Family and State Farm, and each one priced our sample home in all 3 of those ZIP codes, in Burleigh County. That’s above the North Dakota average of $215 a month.

Small sample: this guide is based on 3 Bismarck ZIP codes (58501, 58503 and 58504), all the Bismarck ZIP codes in our rate data. Our North Dakota home insurance page covers 21 ZIP codes across the state, where the same house averages $215 a month, 15.1% less than in these 3 ZIP codes.

Our figures are for a $300,000 dwelling, which works out to about $10.14 a year for each $1,000 of dwelling coverage in these 3 ZIP codes; insuring a larger or costlier house for more usually costs more, though not always in step with the limit.

For the same insurers and ZIP codes, the Bismarck average rose 3.7% since Nov. 2025, from $2,934 a year ($245 a month) on Nov. 30, 2025, to $3,042 ($254) on Sept. 30, 2026, as Auto-Owners’ rose 16.7%, Farmers Union Insurance’s rose 2.4% and American Family’s fell 1.3%.

Homeowners insurance averages by insurer in Bismarck for our sample home (rates as of Sept. 30, 2026)

Auto-Owners averaged $233 a month ($2,796 a year), Farmers Union Insurance $247 ($2,964), American Family $248 ($2,980) and State Farm $286 ($3,428) for our sample home.

Same sample home: each insurer’s average yearly price in the same Bismarck ZIP codes, Nov. 30, 2025 and Sept. 30, 2026

All 4 insurers in the table priced the same 3 Bismarck ZIP codes on both dates.

By ZIP code: each insurer’s yearly price for the same house changed with the Bismarck address:

• Auto-Owners ran from $2,726 a year in 58503 to $2,882 in 58504.
• Farmers Union Insurance charged $2,964 a year in every Bismarck ZIP code it priced.
• American Family ran from $2,964 a year in 2 ZIP codes, including 58501, to $3,011 in 58503.
• State Farm ran from $3,365 a year in 58501 to $3,492 in 58504.

Against each insurer’s statewide price: for the same house, here is how each insurer’s Bismarck average compares with its own average across the North Dakota ZIP codes it priced:

• Auto-Owners: $2,796 a year in Bismarck, 11.5% more than its North Dakota average of $2,508.
• Farmers Union Insurance: $2,964 a year in Bismarck, 28.5% more than its North Dakota average of $2,307.
• American Family: $2,980 a year in Bismarck, 18.2% more than its North Dakota average of $2,521.
• State Farm: $3,428 a year in Bismarck, 14.6% more than its North Dakota average of $2,992.

Who has the cheapest homeowners insurance in Bismarck?

Auto-Owners had the lowest home average for our sample home of the insurers anyone can buy from, $233 a month ($2,796 a year), 6.2% below American Family’s $2,980 a year, the next of those insurers. It may not be the lowest for your house, so compare a few quotes.

What changes your price: where the house sits, its value, age and roof, your deductibles, claims and credit, and whether you add a car. In Bismarck, ZIP code averages for this house ran from $252 to $256 a month, while insurers’ Bismarck averages ran from $233 to $286.

If prices stayed where they are today, the $632-a-year gap between the lowest and highest averages among the insurers anyone can buy from in Bismarck would add up to $3,160 over five years for this house.

Same house, different city: how does Bismarck compare?

Fargo, the other North Dakota city with a local guide like this one, averages $198 a month in the 3 Fargo ZIP codes we priced. For renters and condo owners, the 3 Bismarck ZIP codes average $194 and $389 a year, against $187 and $387 in Fargo.

Same sample home: average home insurance prices in Bismarck, other North Dakota cities in our data and the state (rates as of Sept. 30, 2026)

Each city covers the ZIP codes in our rate data with that city as their main mailing address; every row prices the same house.

Against the average of the 50 states and D.C. ($258 a month), our sample home costs 1.9% less to insure in the 3 Bismarck ZIP codes we priced.

For the statewide picture, see home insurance costs in North Dakota and Fargo home insurance costs.

Compare all states: home insurance costs for the same house in all 50 states and D.C.

Is flood covered, and how common is flood insurance in Bismarck?

Flood damage isn’t covered by a standard home, renters or condo policy at all; it needs a separate flood policy.

As of August 3, 2026, Burleigh County had 583 residential flood insurance contracts in force under the National Flood Insurance Program, covering about 1.72% of its 33,886 residential structures, and 407 of the 980 residential structures in the mapped high-risk flood zone (41.53%) were covered, according to FEMA’s OpenFEMA NFIP Residential Penetration Rates.

The City of Bismarck is a Class 7 community in FEMA’s Community Rating System, which gives flood policyholders a 15% premium discount in mapped flood zones and 5% elsewhere, according to FEMA’s NFIP Community Status Book.

A new flood policy through the National Flood Insurance Program usually takes 30 days to start, so buying one when water is already rising is too late. FEMA’s flood map service (msc.fema.gov) shows whether a Bismarck address sits in a mapped high-risk flood zone, where a mortgage lender will usually require flood insurance.

How much is homeowners insurance on a $300,000 house in Bismarck?

For a house with $300,000 of rebuilding coverage and a $1,000 deductible, homeowners insurance in the 3 Bismarck ZIP codes we priced averages $254 a month ($3,042 a year) across the 4 insurers we compared (rates as of Sept. 30, 2026). That’s 17.8% above the $215-a-month North Dakota average for the same house. Insurers’ averages for that same house ran from $233 to $286 a month.

What is the 80% rule in homeowners insurance?

A consumer guide from the National Association of Insurance Commissioners, the group of state insurance regulators, explains that many policies reduce a partial-loss payment if you insure for less than 80% of your home’s replacement cost, the cost to rebuild it. For our $300,000 sample house, that’s at least $240,000, so check your limit against a current rebuilding cost, not the home’s market value.

What if an insurer won’t renew your Bismarck home?

Under North Dakota law, an insurer must give a homeowner at least 30 days’ written notice before cancelling a policy that has been in force more than 60 days (10 days for nonpayment) and at least 45 days’ notice before declining to renew, according to North Dakota Century Code sections 26.1-39-13 and 26.1-39-16. Read the notice and your policy’s own cancellation and nonrenewal terms, then start shopping right away. If a notice doesn’t make sense to you, or you need help with a claim, call the North Dakota Insurance Department at 701-328-2440.

If regular insurers turn you down, North Dakota’s Property Insurance Placement Facility, which works like a FAIR Plan in other states, offers basic property coverage.

In our data, every insurer we compared priced our sample home in all 3 Bismarck ZIP codes.

How much is condo insurance in Bismarck?

Condo insurance for our sample condo averages $32 a month ($389 a year) in the 3 Bismarck ZIP codes we priced. For our sample condo, prices among the 4 insurers we compared ranged from $18 to $54 a month, a $36-a-month gap for the same coverage.

Condo insurance averages by insurer in Bismarck for our sample condo (rates as of Sept. 30, 2026)

State Farm averaged $18 a month ($211 a year), Farmers Union Insurance $22 ($259), American Family $37 ($440) and Auto-Owners $54 ($645) for our sample condo.

We don’t name a lowest condo insurer in Bismarck (the methodology explains when we do); the condo table above lists every insurer’s average for the same condo, from $18 to $54 a month.

Auto-Owners’ condo average is about 2.1 times the other insurers’ average; without it, the condo average in the 3 Bismarck ZIP codes we priced would be $25 a month ($303 a year).

The condo average in the 3 Bismarck ZIP codes we priced is about the same as the North Dakota condo average of $388 a year ($32 a month) and 19.2% below the average of the 50 states and D.C., $481 a year ($40 a month). Each insurer’s condo average in the 3 Bismarck ZIP codes we priced for our sample condo is within $1 a month of its North Dakota average. Our sample condo’s policy costs about 13% of what our sample home costs to insure in the 3 Bismarck ZIP codes we priced.

For the same insurers and ZIP codes, the Bismarck condo average rose 7.7% since Nov. 2025, from $30 to $32 a month, as American Family’s rose 31.2%, Auto-Owners’ rose 0.9% and the other insurers’ prices didn’t change.

By ZIP code, the Bismarck condo average for our sample condo ran from $32 a month in 58501 to $33 in 58503.

Yearly condo insurance price for our sample condo by insurer and Bismarck ZIP code (rates as of Sept. 30, 2026)

Against each insurer’s statewide condo price (yearly, for our sample condo in the 3 Bismarck ZIP codes we priced):

• State Farm: $211 a year here, 1.7% more than its North Dakota average of $207.
• Farmers Union Insurance: $259 a year here, the same as its North Dakota average.
• American Family: $440 a year here, the same as its North Dakota average.
• Auto-Owners: $645 a year here, the same as its North Dakota average.

Our sample condo is a 2,000-square-foot unit in a building built in 2005, with $60,000 of coverage for the unit, $60,000 for belongings, $300,000 liability and a $1,000 deductible. The owner is 40, single, has good credit and no claims in 10 years.

• $60K unit coverage
• $60K belongings
• $1,000 deductible
• Built 2005

Which part of a Bismarck condo is yours to insure?

The association’s master policy covers the building, and your condo policy covers what the declaration and master policy leave to you. In our sample policy, $60,000 covers the inside of the unit and $60,000 your belongings, and that package averages $32 a month in the 3 Bismarck ZIP codes we priced.

Before you buy, ask the association for its master policy and deductible; see condo insurance in North Dakota for what to check.

Official resources for Bismarck homeowners

• FEMA National Risk Index County-level natural-hazard risk ratings.
• OpenFEMA Disaster Declarations Summaries Federal declarations by county.
• Bismarck Fire ISO Rating City page on its fire protection class.
• North Dakota Insurance Department State insurance regulator and consumer help. Consumer line: 701-328-2440.
• North Dakota Century Code 26.1-39 Cancellation and nonrenewal rules for property insurance.
• North Dakota Insurance Department: flood insurance Why you need a separate flood policy.
• North Dakota Property Insurance Placement Facility law (26.1-52) Basic coverage when you can’t get it elsewhere.
• National Association of Insurance Commissioners: homeowners guide Coverage basics and the 80% rule.
• FEMA Flood Map Service Center The official source for FEMA flood maps.
• FloodSmart FEMA’s site for the National Flood Insurance Program.