To find out if a North Dakota (ND) home is insurable, you have a few good options depending on the type of risk you're concerned about (e.g., flood, wildfire, general homeowner insurance). Here's how to go about it:

House - view of roof

Talk to an Insurance Agent

The fastest and most reliable way is to contact a licensed insurance agent in North Dakota. They can:

  • Run risk reports

  • Check your address against insurance company guidelines

  • Tell you if the home is insurable and under what conditions

💡 Some homes might be considered high-risk due to location (floodplain, wildfire-prone areas), condition, or prior claims.

Flood Insurance Lookup (FEMA/NFIP)

If you're concerned about flood risk, check:

  • FEMA’s Flood Map Service Center:
    https://msc.fema.gov/portal/home

  • Type in the address to see if it's in a Special Flood Hazard Area (SFHA).

  • If yes, you'll likely need flood insurance through the National Flood Insurance Program (NFIP) or a private insurer.

CLUE Report (Claims History)

The CLUE (Comprehensive Loss Underwriting Exchange) report shows past insurance claims on a property.

  • Ask the homeowner or seller for a copy of the CLUE report.

  • Insurance companies use this to decide if they'll offer a policy.

North Dakota Insurance Department

You can contact the ND Insurance Department to ask about general insurability concerns or for help finding a local agent:

Home Inspection

Some homes might be uninsurable because of their condition (old wiring, roof issues, etc.). A licensed home inspector can identify risks that might make insurance companies decline coverage.