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  <xs:element name="StatutoryAccountingPracticesStatutoryCapitalAndSurplusUnassignedBalance" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_StatutoryAccountingPracticesStatutoryCapitalAndSurplusUnassignedBalance"/>
  <xs:element name="OrganizationDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_OrganizationDetailsTable"/>
  <xs:element name="OrganizationDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_OrganizationDetailsLineItems"/>
  <xs:element name="PercentageOfSharesExchanged" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_PercentageOfSharesExchanged"/>
  <xs:element name="OwnershipPercentage" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_OwnershipPercentage"/>
  <xs:element name="OperatingLeasesRightofUseAsset" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="nodk_OperatingLeasesRightofUseAsset"/>
  <xs:element name="FinanceLeasesLiability" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_FinanceLeasesLiability"/>
  <xs:element name="RetainedEarningsOpeningBalance" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_RetainedEarningsOpeningBalance"/>
  <xs:element name="SummaryofSignificantAccountingPoliciesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_SummaryofSignificantAccountingPoliciesDetailsTable"/>
  <xs:element name="SummaryofSignificantAccountingPoliciesDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_SummaryofSignificantAccountingPoliciesDetailsLineItems"/>
  <xs:element name="AcquisitionofWestminsterAmericanInsuranceCompanyDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_AcquisitionofWestminsterAmericanInsuranceCompanyDetailsTable"/>
  <xs:element name="AcquisitionofWestminsterAmericanInsuranceCompanyDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_AcquisitionofWestminsterAmericanInsuranceCompanyDetailsLineItems"/>
  <xs:element name="NumberOfInstallments" type="xbrli:integerItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="nodk_NumberOfInstallments"/>
  <xs:element name="ReinsuranceDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_ReinsuranceDetailsTable"/>
  <xs:element name="ReinsuranceDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ReinsuranceDetailsLineItems"/>
  <xs:element name="ReinsuranceDescription" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ReinsuranceDescription"/>
  <xs:element name="RetainedExcessAmount" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="nodk_RetainedExcessAmount"/>
  <xs:element name="ReinsuranceRecoverablesExcessAmount" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="nodk_ReinsuranceRecoverablesExcessAmount"/>
  <xs:element name="ReinsuranceRecoverablesPropertyRisks" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_ReinsuranceRecoverablesPropertyRisks"/>
  <xs:element name="ReinsuranceRecoverablesExcessOfCasultyRisks" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_ReinsuranceRecoverablesExcessOfCasultyRisks"/>
  <xs:element name="ReinsuranceRecoverablesCoverageUp" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_ReinsuranceRecoverablesCoverageUp"/>
  <xs:element name="StopLossReinsuranceAgreementsNetLossRatio" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_StopLossReinsuranceAgreementsNetLossRatio"/>
  <xs:element name="ReinsuranceRetentionPolicyAmountRetained1" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_ReinsuranceRetentionPolicyAmountRetained1"/>
  <xs:element name="ReinsuranceRetentionPolicyExcessRetentionAmountReinsured1" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="nodk_ReinsuranceRetentionPolicyExcessRetentionAmountReinsured1"/>
  <xs:element name="CededReinsuranceCommissionPercentage" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_CededReinsuranceCommissionPercentage"/>
  <xs:element name="GoodwillandOtherIntangiblesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_GoodwillandOtherIntangiblesDetailsTable"/>
  <xs:element name="GoodwillandOtherIntangiblesDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_GoodwillandOtherIntangiblesDetailsLineItems"/>
  <xs:element name="RelatedPartyTransactionsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_RelatedPartyTransactionsDetailsTable"/>
  <xs:element name="RelatedPartyTransactionsDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_RelatedPartyTransactionsDetailsLineItems"/>
  <xs:element name="InsurancePaidForDueMembership" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_InsurancePaidForDueMembership"/>
  <xs:element name="BenefitPlansDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_BenefitPlansDetailsTable"/>
  <xs:element name="BenefitPlansDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_BenefitPlansDetailsLineItems"/>
  <xs:element name="DeferredCompensationPlanExpenses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="nodk_DeferredCompensationPlanExpenses"/>
  <xs:element name="PercentageOfEsopInAuthorizedShares" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_PercentageOfEsopInAuthorizedShares"/>
  <xs:element name="IncomeTaxesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_IncomeTaxesDetailsTable"/>
  <xs:element name="IncomeTaxesDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_IncomeTaxesDetailsLineItems"/>
  <xs:element name="OperatingLeaseRentExpenseNet" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="nodk_OperatingLeaseRentExpenseNet"/>
  <xs:element name="CommonandPreferredStockDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_CommonandPreferredStockDetailsTable"/>
  <xs:element name="CommonandPreferredStockDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_CommonandPreferredStockDetailsLineItems"/>
  <xs:element name="StockIssued01" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_StockIssued01"/>
  <xs:element name="ExciseTaxPayableCurrent" type="dtr:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="nodk_ExciseTaxPayableCurrent"/>
  <xs:element name="ShareBasedCompensationDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_ShareBasedCompensationDetailsTable"/>
  <xs:element name="ShareBasedCompensationDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ShareBasedCompensationDetailsLineItems"/>
  <xs:element name="ShareGrantedNotExceed" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_ShareGrantedNotExceed"/>
  <xs:element name="PercentageOfGrantedSharesToEmployeesPerYear" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_PercentageOfGrantedSharesToEmployeesPerYear"/>
  <xs:element name="PercentageOfRsuGrantedToNonemployeeDirectorsPerYear" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_PercentageOfRsuGrantedToNonemployeeDirectorsPerYear"/>
  <xs:element name="RevenuesRate" type="dtr:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="nodk_RevenuesRate"/>
  <xs:element name="StatutoryNetIncomeLossCapitalandSurplusandDividendRestrictionsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_StatutoryNetIncomeLossCapitalandSurplusandDividendRestrictionsDetailsTable"/>
  <xs:element name="StatutoryNetIncomeLossCapitalandSurplusandDividendRestrictionsDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_StatutoryNetIncomeLossCapitalandSurplusandDividendRestrictionsDetailsLineItems"/>
  <xs:element name="AdditionalAuthorizationMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_AdditionalAuthorizationMember"/>
  <xs:element name="AllOtherMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_AllOtherMember"/>
  <xs:element name="AmericanWestInsuranceCompanyMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_AmericanWestInsuranceCompanyMember"/>
  <xs:element name="AmericanWestMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_AmericanWestMember"/>
  <xs:element name="BattleCreekMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_BattleCreekMember"/>
  <xs:element name="BattleCreekMutualInsuranceCompanyMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_BattleCreekMutualInsuranceCompanyMember"/>
  <xs:element name="CommercialMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_CommercialMember"/>
  <xs:element name="CommercialWestminsterMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_CommercialWestminsterMember"/>
  <xs:element name="CommercialnonWestminsterMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_CommercialnonWestminsterMember"/>
  <xs:element name="CropMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_CropMember"/>
  <xs:element name="DirectAutoInsuranceCompanyMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_DirectAutoInsuranceCompanyMember"/>
  <xs:element name="DirectAutoMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_DirectAutoMember"/>
  <xs:element name="DistributionNetworkMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_DistributionNetworkMember"/>
  <xs:element name="ESOPLoanMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ESOPLoanMember"/>
  <xs:element name="ElectronicDataProcessingEquipmentMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ElectronicDataProcessingEquipmentMember"/>
  <xs:element name="FixedIncomeSecurityMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_FixedIncomeSecurityMember"/>
  <xs:element name="HomeAndFarmMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_HomeAndFarmMember"/>
  <xs:element name="MultiPerilCropMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_MultiPerilCropMember"/>
  <xs:element name="NodakInsuranceCompanyMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_NodakInsuranceCompanyMember"/>
  <xs:element name="NodakInsuranceMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_NodakInsuranceMember"/>
  <xs:element name="NonStandardAutoMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_NonStandardAutoMember"/>
  <xs:element name="NonstandardAutoDirectAutoMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_NonstandardAutoDirectAutoMember"/>
  <xs:element name="NorthDakotaFarmBureauMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_NorthDakotaFarmBureauMember"/>
  <xs:element name="NotSubjectToAmortizationStateInsuranceLicensesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_NotSubjectToAmortizationStateInsuranceLicensesMember"/>
  <xs:element name="PremiumsEarnedMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_PremiumsEarnedMember"/>
  <xs:element name="PremiumsWrittenMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_PremiumsWrittenMember"/>
  <xs:element name="PrimeroInsuranceCompanyMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_PrimeroInsuranceCompanyMember"/>
  <xs:element name="PrimeroMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_PrimeroMember"/>
  <xs:element name="PrivatePassengerAutoMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_PrivatePassengerAutoMember"/>
  <xs:element name="StatesAndPoliticalSubdivisionsGeneralObligationsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_StatesAndPoliticalSubdivisionsGeneralObligationsMember"/>
  <xs:element name="SubjectToAmortizationMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_SubjectToAmortizationMember"/>
  <xs:element name="TotalOwnershipMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_TotalOwnershipMember"/>
  <xs:element name="UnearnedEmployeeStockOwnershipPlanSharesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_UnearnedEmployeeStockOwnershipPlanSharesMember"/>
  <xs:element name="VOBAMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_VOBAMember"/>
  <xs:element name="WestminsterAmericanInsuranceCompanyMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_WestminsterAmericanInsuranceCompanyMember"/>
  <xs:element name="OperatingRatiosAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_OperatingRatiosAbstract"/>
  <xs:element name="DocumentAndEntityInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_DocumentAndEntityInformationAbstract"/>
</xs:schema>
