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  <xs:element id="nodk_ScheduleOfPerformanceStockOutstandingAbstract" name="ScheduleOfPerformanceStockOutstandingAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="nodk_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedOptionsPerformanceAdjustmentWeightedAverageGrantDateFairValue" name="SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedOptionsPerformanceAdjustmentWeightedAverageGrantDateFairValue" type="dtr:perShareItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xs:element id="nodk_ShareBasedCompensationScheduleofPerformanceStockOutstandingDetailsTable" name="ShareBasedCompensationScheduleofPerformanceStockOutstandingDetailsTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="nodk_ScheduleOfPsuActivityAbstract" name="ScheduleOfPsuActivityAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="nodk_ShareBasedCompensationScheduleofPSUActivityDetailsTable" name="ShareBasedCompensationScheduleofPSUActivityDetailsTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="nodk_AllowanceForExpectedCreditLossesMember" name="AllowanceForExpectedCreditLossesMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="nodk_AllowanceforExpectedCreditLossesScheduleofAllowanceforExpectedCreditLossesDetailsTable" name="AllowanceforExpectedCreditLossesScheduleofAllowanceforExpectedCreditLossesDetailsTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="nodk_ScheduleOfAllowanceForExpectedCreditLossesAbstract" name="ScheduleOfAllowanceForExpectedCreditLossesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="nodk_ScheduleOfDeferredPolicyAcquisitionCostsAndAssetReconciliationAbstract" name="ScheduleOfDeferredPolicyAcquisitionCostsAndAssetReconciliationAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="nodk_BalanceBeginningOfYearAbstract" name="BalanceBeginningOfYearAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="nodk_BalanceEndOfYearAbstract" name="BalanceEndOfYearAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="nodk_IncurredRelatedToAbstract" name="IncurredRelatedToAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="nodk_BenefitPlansDetailsTable" name="BenefitPlansDetailsTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="nodk_DeferredCompensationPlanExpenses" name="DeferredCompensationPlanExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xs:element id="nodk_ESOPLoanMember" name="ESOPLoanMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="nodk_PercentageOfApplicableEffectiveFederalRate" name="PercentageOfApplicableEffectiveFederalRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xs:element id="nodk_RoyaltiesAndDividendsTable" name="RoyaltiesAndDividendsTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="nodk_LeaseLiabilityMaturityTableTextBlock" name="LeaseLiabilityMaturityTableTextBlock" type="dtr:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xs:element id="nodk_PropertyandEquipmentScheduleofPropertyandEquipmentDetailsTable" name="PropertyandEquipmentScheduleofPropertyandEquipmentDetailsTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="nodk_AvailableForSaleSecuritiesFairValueMortgageAssetBackedSecurities" name="AvailableForSaleSecuritiesFairValueMortgageAssetBackedSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xs:element id="nodk_FairValueDueToMatureRedeemablePreferredStocks" name="FairValueDueToMatureRedeemablePreferredStocks" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xs:element id="nodk_IncomeTaxesDetailsTable" name="IncomeTaxesDetailsTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="nodk_NorthDakotaFarmBureauMember" name="NorthDakotaFarmBureauMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="nodk_NodakInsuranceMember" name="NodakInsuranceMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="nodk_OrganizationDetailsTable" name="OrganizationDetailsTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="nodk_PercentageOfSharesExchanged" name="PercentageOfSharesExchanged" type="dtr:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xs:element id="nodk_ScheduleOfGrossUnrealizedLossesOnFixedIncomeSecuritiesAbstract" name="ScheduleOfGrossUnrealizedLossesOnFixedIncomeSecuritiesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="nodk_DeferredPolicyAcquisitionCostsContinuingOperations" name="DeferredPolicyAcquisitionCostsContinuingOperations" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xs:element id="nodk_ReinsurancePremiumsPayable" name="ReinsurancePremiumsPayable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xs:element id="nodk_UnearnedEmployeeStockOwnershipPlanSharesMember" name="UnearnedEmployeeStockOwnershipPlanSharesMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="nodk_IncreaseDecreseReinsurancePremiumsReceivablePayable" name="IncreaseDecreseReinsurancePremiumsReceivablePayable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xs:element id="nodk_IncomeTaxBenefitexpenseRelatedToItemsOfOtherComprehensiveIncomeloss" name="IncomeTaxBenefitexpenseRelatedToItemsOfOtherComprehensiveIncomeloss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xs:element id="nodk_DeferralOfPolicyAcquisitionCosts" name="DeferralOfPolicyAcquisitionCosts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xs:element id="nodk_IncreaseDecreaseInFederalCropInsuranceCorporationReceivablePayable" name="IncreaseDecreaseInFederalCropInsuranceCorporationReceivablePayable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xs:element id="nodk_UnearnedEsopSharesCost" name="UnearnedEsopSharesCost" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
</xs:schema>
