Ranked from FEMA National Risk Index
Lowest Expected Disaster Loss per Household in North Dakota
The counties where FEMA's expected annual loss per household is smallest. Low exposure is one of the few housing-cost advantages that never shows up in the listing price. It shows up in what an insurer actually charges, which is not the same as the insurance figure in these tables, since that is a statewide average and cannot vary by county. Expected annual loss is FEMA's National Risk Index figure for the county, divided by the number of occupied housing units the Census reports there.
North Dakota ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Grand Forks County | $805 | Relatively Low | $244,200 |
| 2 | Cass County | $1,002 | Relatively Moderate | $284,700 |
| 3 | Stark County | $1,094 | Very Low | $260,400 |
| 4 | Ward County | $1,302 | Relatively Low | $259,100 |
| 5 | Williams County | $1,626 | Relatively Low | $267,800 |
| 6 | Ramsey County | $1,664 | Very Low | $197,400 |
| 7 | Stutsman County | $1,753 | Relatively Low | $200,300 |
| 8 | Burleigh County | $1,779 | Relatively Moderate | $314,700 |
| 9 | Richland County | $1,852 | Very Low | $177,600 |
| 10 | Pierce County | $1,855 | Very Low | $143,400 |
| 11 | Morton County | $1,890 | Relatively Low | $249,600 |
| 12 | Mountrail County | $1,930 | Very Low | $222,200 |
| 13 | McKenzie County | $1,980 | Very Low | $357,300 |
| 14 | Burke County | $2,105 | Very Low | $141,900 |
| 15 | Adams County | $2,147 | Very Low | $108,300 |
| 16 | Mercer County | $2,168 | Very Low | $196,200 |
| 17 | Pembina County | $2,169 | Very Low | $116,600 |
| 18 | Bowman County | $2,218 | Very Low | $176,400 |
| 19 | Eddy County | $2,269 | Very Low | $115,500 |
| 20 | Nelson County | $2,299 | Very Low | $114,500 |
| 21 | Wells County | $2,348 | Very Low | $106,400 |
| 22 | Traill County | $2,461 | Very Low | $193,200 |
| 23 | Renville County | $2,570 | Very Low | $163,400 |
| 24 | Barnes County | $2,590 | Relatively Low | $168,100 |
| 25 | Foster County | $2,599 | Very Low | $162,800 |
| 26 | Benson County | $2,624 | Very Low | $83,100 |
| 27 | Walsh County | $2,710 | Very Low | $125,700 |
| 28 | Bottineau County | $2,735 | Very Low | $190,900 |
| 29 | Ransom County | $2,807 | Very Low | $174,800 |
| 30 | Divide County | $2,849 | Very Low | $173,100 |
| 31 | Towner County | $2,859 | Very Low | $122,800 |
| 32 | Rolette County | $2,900 | Relatively Low | $93,000 |
| 33 | Cavalier County | $2,951 | Very Low | $122,300 |
| 34 | Kidder County | $3,022 | Very Low | $138,500 |
| 35 | Dickey County | $3,135 | Very Low | $167,100 |
| 36 | Sargent County | $3,186 | Very Low | $149,600 |
| 37 | Dunn County | $3,199 | Very Low | $244,000 |
| 38 | McHenry County | $3,238 | Very Low | $143,200 |
| 39 | Griggs County | $3,293 | Very Low | $128,200 |
| 40 | LaMoure County | $3,313 | Very Low | $118,000 |
| 41 | Slope County | $3,338 | Very Low | $121,300 |
| 42 | Hettinger County | $3,532 | Very Low | $110,900 |
| 43 | Oliver County | $3,562 | Very Low | $217,000 |
| 44 | McLean County | $3,863 | Relatively Low | $233,100 |
| 45 | Grant County | $4,234 | Very Low | $85,800 |
| 46 | Billings County | $4,675 | Very Low | $322,500 |
| 47 | Logan County | $4,902 | Very Low | $101,800 |
| 48 | Steele County | $5,933 | Very Low | $120,400 |
| 49 | Sheridan County | $6,241 | Very Low | $107,700 |
| 50 | McIntosh County | $6,515 | Very Low | $80,300 |
| 51 | Golden Valley County | $7,191 | Very Low | $119,200 |
| 52 | Emmons County | $7,800 | Relatively Low | $112,400 |
| 53 | Sioux County | $11,661 | Relatively Low | $87,400 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Lowest Expected Disaster Loss per Household across all 3,133 US counties · Every county in North Dakota