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  <xs:element name="IncreaseDecreaseInFederalCropInsuranceCorporationReceivablePayable" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_IncreaseDecreaseInFederalCropInsuranceCorporationReceivablePayable"/>
  <xs:element name="NetCashFlowsFromOperatingActivitiesExcludingLossOnSaleOfDiscontinuedOperations" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="nodk_NetCashFlowsFromOperatingActivitiesExcludingLossOnSaleOfDiscontinuedOperations"/>
  <xs:element name="FinanceLeasePoolingpaymentsReceipts" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_FinanceLeasePoolingpaymentsReceipts"/>
  <xs:element name="IssuanceOfVestedAwardShares" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_IssuanceOfVestedAwardShares"/>
  <xs:element name="ScheduleOfReconciliationOfDirectToNetLossesAndLossAdjustmentExpensesTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ScheduleOfReconciliationOfDirectToNetLossesAndLossAdjustmentExpensesTableTextBlock"/>
  <xs:element name="AvailableForSaleSecuritiesDebtMaturitiesMortgageAssetBackedSecurities" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="nodk_AvailableForSaleSecuritiesDebtMaturitiesMortgageAssetBackedSecurities"/>
  <xs:element name="AvailableForSaleSecuritiesFairValueMortgageAssetBackedSecurities" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="nodk_AvailableForSaleSecuritiesFairValueMortgageAssetBackedSecurities"/>
  <xs:element name="AmortizedCostDueToMatureRedeemablePreferredStocks" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="nodk_AmortizedCostDueToMatureRedeemablePreferredStocks"/>
  <xs:element name="FairValueDueToMatureRedeemablePreferredStocks" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="nodk_FairValueDueToMatureRedeemablePreferredStocks"/>
  <xs:element name="InvestmentsScheduleofGrossUnrealizedLossesonFixedIncomeSecuritiesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_InvestmentsScheduleofGrossUnrealizedLossesonFixedIncomeSecuritiesDetailsTable"/>
  <xs:element name="InvestmentsScheduleofGrossUnrealizedLossesonFixedIncomeSecuritiesDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_InvestmentsScheduleofGrossUnrealizedLossesonFixedIncomeSecuritiesDetailsLineItems"/>
  <xs:element name="DiscontinuedOperationNetInvestmentIncome" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_DiscontinuedOperationNetInvestmentIncome"/>
  <xs:element name="NetInvestmentGainslossesDiscontinuedOperations" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_NetInvestmentGainslossesDiscontinuedOperations"/>
  <xs:element name="FairValueMeasurementsScheduleofAssetsWhichareMeasuredonaRecurringBasistheFairValueHierarchyDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_FairValueMeasurementsScheduleofAssetsWhichareMeasuredonaRecurringBasistheFairValueHierarchyDetailsTable"/>
  <xs:element name="ReinsuranceScheduleofDirecttoNetLossesandLossAdjustmentExpensesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_ReinsuranceScheduleofDirecttoNetLossesandLossAdjustmentExpensesDetailsTable"/>
  <xs:element name="ReinsuranceEffectOnClaimAndBenefitsIncurredAmountAssumed" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="nodk_ReinsuranceEffectOnClaimAndBenefitsIncurredAmountAssumed"/>
  <xs:element name="FinanceLeaseCost" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="nodk_FinanceLeaseCost"/>
  <xs:element name="CashPaymentsIncludedInOperatingCashFlowsFromFinanceLeases" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_CashPaymentsIncludedInOperatingCashFlowsFromFinanceLeases"/>
  <xs:element name="CashPaymentsIncludedInFinancingCashFlowsFromFinanceLeases" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_CashPaymentsIncludedInFinancingCashFlowsFromFinanceLeases"/>
  <xs:element name="LeaseLiabilityPaymentsRemainderOfFiscalYear" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_LeaseLiabilityPaymentsRemainderOfFiscalYear"/>
  <xs:element name="LeaseLiabilityPaymentsDueNextTwelveMonths" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_LeaseLiabilityPaymentsDueNextTwelveMonths"/>
  <xs:element name="LeaseLiabilityPaymentsDueYearTwo" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_LeaseLiabilityPaymentsDueYearTwo"/>
  <xs:element name="LeaseLiabilityPaymentsDueYearThree" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_LeaseLiabilityPaymentsDueYearThree"/>
  <xs:element name="LeaseLiabilityPaymentsDueYearFour" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_LeaseLiabilityPaymentsDueYearFour"/>
  <xs:element name="LeaseLiabilityPaymentsDueAfterYearFive" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_LeaseLiabilityPaymentsDueAfterYearFive"/>
  <xs:element name="LeaseLiabilityPaymentsDue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_LeaseLiabilityPaymentsDue"/>
  <xs:element name="LeaseLiabilityUndiscountedExcessAmount" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_LeaseLiabilityUndiscountedExcessAmount"/>
  <xs:element name="LeaseLiability" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_LeaseLiability"/>
  <xs:element name="IssuanceOfTreasurySharesForVestingOfRestrictedStockUnits" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_IssuanceOfTreasurySharesForVestingOfRestrictedStockUnits"/>
  <xs:element name="ShareBasedCompensationScheduleofRestrictedStockOutstandingDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_ShareBasedCompensationScheduleofRestrictedStockOutstandingDetailsTable"/>
  <xs:element name="ShareBasedCompensationScheduleofRSUActivityDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_ShareBasedCompensationScheduleofRSUActivityDetailsTable"/>
  <xs:element name="AdjustmentToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_AdjustmentToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation"/>
  <xs:element name="ShareBasedCompensationScheduleofPerformanceStockOutstandingDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_ShareBasedCompensationScheduleofPerformanceStockOutstandingDetailsTable"/>
  <xs:element name="SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedOptionsPerformanceAdjustmentWeightedAverageGrantDateFairValue" type="dtr:perShareItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedOptionsPerformanceAdjustmentWeightedAverageGrantDateFairValue"/>
  <xs:element name="ShareBasedCompensationScheduleofPSUActivityDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_ShareBasedCompensationScheduleofPSUActivityDetailsTable"/>
  <xs:element name="AllowanceforExpectedCreditLossesScheduleofAllowanceforExpectedCreditLossesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_AllowanceforExpectedCreditLossesScheduleofAllowanceforExpectedCreditLossesDetailsTable"/>
  <xs:element name="DiscontinuedOperationNetInvestmentGainslosses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_DiscontinuedOperationNetInvestmentGainslosses"/>
  <xs:element name="DiscontinuedOperationPolicyholderBenefitsAndClaimsIncurredNet" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="nodk_DiscontinuedOperationPolicyholderBenefitsAndClaimsIncurredNet"/>
  <xs:element name="DiscontinuedOperationDeferredPolicyAcquisitionCostAmortizationExpense" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="nodk_DiscontinuedOperationDeferredPolicyAcquisitionCostAmortizationExpense"/>
  <xs:element name="FeeAndOtherIncome" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_FeeAndOtherIncome"/>
  <xs:element name="OrganizationDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_OrganizationDetailsTable"/>
  <xs:element name="PercentageOfSharesExchanged" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_PercentageOfSharesExchanged"/>
  <xs:element name="BasisofPresentationandAccountingPoliciesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_BasisofPresentationandAccountingPoliciesDetailsTable"/>
  <xs:element name="CashPurchasePrice" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_CashPurchasePrice"/>
  <xs:element name="PostClosingPayment" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_PostClosingPayment"/>
  <xs:element name="ReinsuranceDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_ReinsuranceDetailsTable"/>
  <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="ReinsuranceRecoverableExcessOfCasualtyRisks" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_ReinsuranceRecoverableExcessOfCasualtyRisks"/>
  <xs:element name="CededReinsuranceCommissionPercentage" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_CededReinsuranceCommissionPercentage"/>
  <xs:element name="PropertyandEquipmentDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_PropertyandEquipmentDetailsTable"/>
  <xs:element name="GoodwillandOtherIntangiblesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_GoodwillandOtherIntangiblesDetailsTable"/>
  <xs:element name="RoyaltiesDividendsandAffiliationsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_RoyaltiesDividendsandAffiliationsDetailsTable"/>
  <xs:element name="BenefitPlansDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_BenefitPlansDetailsTable"/>
  <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="LineofCreditDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_LineofCreditDetailsTable"/>
  <xs:element name="IncomeTaxesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_IncomeTaxesDetailsTable"/>
  <xs:element name="LeasesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_LeasesDetailsTable"/>
  <xs:element name="OperatingLeaseExpirationYear" type="dtr:gYearListItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_OperatingLeaseExpirationYear"/>
  <xs:element name="CommonandPreferredStockDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_CommonandPreferredStockDetailsTable"/>
  <xs:element name="ShareBasedCompensationDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_ShareBasedCompensationDetailsTable"/>
  <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="PercentageOfRsuGrantedToNonemployeeDirectorsPerYear" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_PercentageOfRsuGrantedToNonemployeeDirectorsPerYear"/>
  <xs:element name="PercentageOfGrantedSharesToEmployeesPerYear" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_PercentageOfGrantedSharesToEmployeesPerYear"/>
  <xs:element name="DiscontinuedOperationPostClosingAdjustmentAmount" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_DiscontinuedOperationPostClosingAdjustmentAmount"/>
  <xs:element name="AllOtherMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_AllOtherMember"/>
  <xs:element name="AllowanceForExpectedCreditLossesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_AllowanceForExpectedCreditLossesMember"/>
  <xs:element name="ChicagoMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ChicagoMember"/>
  <xs:element name="CommercialMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_CommercialMember"/>
  <xs:element name="ContinuingAndDiscontinuedOperationsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ContinuingAndDiscontinuedOperationsMember"/>
  <xs:element name="CropMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_CropMember"/>
  <xs:element name="ESOPLoanMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ESOPLoanMember"/>
  <xs:element name="ExternalReinsuranceMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ExternalReinsuranceMember"/>
  <xs:element name="FargoMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_FargoMember"/>
  <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="NetPremiumEarnedMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_NetPremiumEarnedMember"/>
  <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="NorthDakotaFarmBureauMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_NorthDakotaFarmBureauMember"/>
  <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="PrivatePassengerAutoMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_PrivatePassengerAutoMember"/>
  <xs:element name="SpearfishMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_SpearfishMember"/>
  <xs:element name="StatesAndPoliticalSubdivisionsGeneralObligationsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_StatesAndPoliticalSubdivisionsGeneralObligationsMember"/>
  <xs:element name="UnearnedEmployeeStockOwnershipPlanSharesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_UnearnedEmployeeStockOwnershipPlanSharesMember"/>
  <xs:element name="DocumentAndEntityInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_DocumentAndEntityInformationAbstract"/>
</xs:schema>
