Fargo has 131,627 residents in 59,970 households. We list 4 agencies for commercial property insurance in Fargo. Here is what the local numbers say about the cover people here need.

Fargo at a glance

4commercial property insurance agencies listed
56.3%of households rentRenters insurance
$281,900median home valueHome insurance
1991median year homes were builtRebuild cost calculator
8.3%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Cass County

FEMA rates the overall natural hazard risk in Cass County, where most Fargo agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

Winter weatherVery High
Strong windVery High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Fargo
Ice stormVery High
HailRelatively High
Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.
Home insurance in Fargo

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Where Fargo agencies are

Fargo agencies we list sit in 3 ZIP codes, mostly in Cass County.

581042 agencies
581021 agency
581031 agency

Questions

Commercial Property insurance in Fargo

All insurance agencies in Fargo · Commercial Property insurance across North Dakota

Where can I find commercial property insurance in Fargo?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does commercial property insurance cover?

Covers your building, stock, equipment and fit-out.

Do I need flood insurance in Fargo?

FEMA's National Risk Index rates inland flooding risk in Cass County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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