InsureWatch

58576

High61

Underwood, North Dakota — McLean County

Pop. 1,073Median Income $86,106Median Home $199,700
0/ 100High Risk

2025 Estimated Premium

$2,307/yr

+12.9% from 2022 actual ($2,043)

Projected using FRED CPI for Household Insurance, adjusted for this ZIP's historical trend. Not a quote.

Avg Premium (2022)

$2,043

+1.4%

2018–2025

Nonrenewal Rate

0.00%

2018–2022

Claim Frequency

0.0%

Avg Claim Amount

$0

Score Breakdown

Premium Level (25%)77
Premium Trend (20%)57
Nonrenewal Risk (20%)50
Storm Exposure (15%)79
Affordability (10%)57
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201814 events1 fatalities
Property damage$970,000
1 hail1 flood
19
201911 events
Property damage$5,000
1 tornado7 hail
20
202014 events
Property damage$323,000
1 tornado4 hail
21
20214 events
Property damage$20,000
2 hail
22
202218 events
Property damage$290,000
3 tornado8 hail
23
202317 events
Property damage$505,000
10 hail
24
202417 events
Property damage$430,000
7 hail
25
202517 events
Property damage$305,000
4 tornado6 hail

Nearby ZIP Codes

58565Riverdale, ND
55Elevated
58577Washburn, ND
63High

Compare home insurance quotes in Underwood, ND

See rates from top carriers. It takes 2 minutes and could save you hundreds.

The Zebra →Insurify →Policygenius →

Ad · We may earn a commission when you get a quote through our partners. This doesn't affect our data or scores.

Buying a home in Underwood, ND? Check mortgage rates

Compare rates from top lenders

Get alerts when your ZIP's risk changes

We'll email you when premiums spike, nonrenewal rates jump, or a major storm hits your area.

AI Risk Report

Get a detailed narrative analysis of this ZIP

Also from us: CrashWatch

See car crash data, road safety scores, and traffic fatality stats for Underwood, ND.

Compare this ZIP

See how 58576 stacks up against another ZIP code or city.

Compare Now

Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.