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  <xs:element name="ScheduleOfDirectToNetLossesAndLossAdjustmentExpensesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ScheduleOfDirectToNetLossesAndLossAdjustmentExpensesAbstract"/>
  <xs:element name="ScheduleOfDeferredPolicyAcquisitionCostsAndAssetReconciliationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ScheduleOfDeferredPolicyAcquisitionCostsAndAssetReconciliationAbstract"/>
  <xs:element name="ScheduleOfActivityInTheLiabilityForUnpaidLossesAndLossAdjustmentExpensesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ScheduleOfActivityInTheLiabilityForUnpaidLossesAndLossAdjustmentExpensesAbstract"/>
  <xs:element name="ScheduleOfPropertyAndEquipmentAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ScheduleOfPropertyAndEquipmentAbstract"/>
  <xs:element name="ScheduleOfPropertyAndEquipmentForCurrentAndPriorYearContinuingAndDiscontinuedOperationsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ScheduleOfPropertyAndEquipmentForCurrentAndPriorYearContinuingAndDiscontinuedOperationsAbstract"/>
  <xs:element name="ScheduleOfGoodwillAndRelatedImpairmentBySegmentAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ScheduleOfGoodwillAndRelatedImpairmentBySegmentAbstract"/>
  <xs:element name="ScheduleOfOtherIntangibleAssetsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ScheduleOfOtherIntangibleAssetsAbstract"/>
  <xs:element name="ScheduleOfImpactOfIncludingBattleCreekInOurConsolidatedBalanceSheetsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ScheduleOfImpactOfIncludingBattleCreekInOurConsolidatedBalanceSheetsAbstract"/>
  <xs:element name="ScheduleOfRestrictedStockOutstandingAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ScheduleOfRestrictedStockOutstandingAbstract"/>
  <xs:element name="ScheduleOfRsuActivityAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ScheduleOfRsuActivityAbstract"/>
  <xs:element name="ScheduleOfPerformanceStockOutstandingAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ScheduleOfPerformanceStockOutstandingAbstract"/>
  <xs:element name="ScheduleOfPsuActivityAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ScheduleOfPsuActivityAbstract"/>
  <xs:element name="ScheduleOfAllowanceForExpectedCreditLossesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ScheduleOfAllowanceForExpectedCreditLossesAbstract"/>
  <xs:element name="ScheduleOfAssetsAndLiabilitiesAssociatedWithDiscontinuedOperationsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ScheduleOfAssetsAndLiabilitiesAssociatedWithDiscontinuedOperationsAbstract"/>
  <xs:element name="ScheduleOfOperatingResultsOfDiscontinuedOperationsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ScheduleOfOperatingResultsOfDiscontinuedOperationsAbstract"/>
  <xs:element name="ScheduleOfRevenueByInsuranceProductLineAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ScheduleOfRevenueByInsuranceProductLineAbstract"/>
  <xs:element name="ContinuingOperationsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ContinuingOperationsAbstract"/>
  <xs:element name="MoneyMarketAccountsAndCashEquivalentsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_MoneyMarketAccountsAndCashEquivalentsAbstract"/>
  <xs:element name="MoneyMarketAccountsAndCashEquivalentsAbstract0" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_MoneyMarketAccountsAndCashEquivalentsAbstract0"/>
  <xs:element name="ContinuingOperationsAbstract0" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ContinuingOperationsAbstract0"/>
  <xs:element name="DiscontinuedOperationsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_DiscontinuedOperationsAbstract"/>
  <xs:element name="SubjectToAmortizationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_SubjectToAmortizationAbstract"/>
  <xs:element name="NotSubjectToAmortizationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_NotSubjectToAmortizationAbstract"/>
  <xs:element name="SubjectToAmortizationAbstract0" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_SubjectToAmortizationAbstract0"/>
  <xs:element name="NotSubjectToAmortizationAbstract0" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_NotSubjectToAmortizationAbstract0"/>
  <xs:element name="SubjectToAmortizationAbstract1" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_SubjectToAmortizationAbstract1"/>
  <xs:element name="NotSubjectToAmortizationAbstract1" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_NotSubjectToAmortizationAbstract1"/>
  <xs:element name="SubjectToAmortizationAbstract2" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_SubjectToAmortizationAbstract2"/>
  <xs:element name="NotSubjectToAmortizationAbstract2" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_NotSubjectToAmortizationAbstract2"/>
  <xs:element name="DeferredPolicyAcquisitionCostsContinuingOperations" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="nodk_DeferredPolicyAcquisitionCostsContinuingOperations"/>
  <xs:element name="ReinsurancePremiumsReceivables" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="nodk_ReinsurancePremiumsReceivables"/>
  <xs:element name="NetInvestmentGainslossesContinuingOperations" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_NetInvestmentGainslossesContinuingOperations"/>
  <xs:element name="LossOnSaleOfDiscontinuedOperationsNetOfTaxes" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_LossOnSaleOfDiscontinuedOperationsNetOfTaxes"/>
  <xs:element name="IncomeTaxBenefitexpenseRelatedToItemsOfOtherComprehensiveIncomeloss" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_IncomeTaxBenefitexpenseRelatedToItemsOfOtherComprehensiveIncomeloss"/>
  <xs:element name="DeferralOfPolicyAcquisitionCosts" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_DeferralOfPolicyAcquisitionCosts"/>
  <xs:element name="ReinsurancePremiumsReceivablePayable" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="nodk_ReinsurancePremiumsReceivablePayable"/>
  <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="IncreaseDecreaseInIncomeTaxRecoverablePayable" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="nodk_IncreaseDecreaseInIncomeTaxRecoverablePayable"/>
  <xs:element name="PurchasesOfTreasuryStock" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_PurchasesOfTreasuryStock"/>
  <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="RestatementPolicyTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_RestatementPolicyTextBlock"/>
  <xs:element name="ScheduleOfConsolidatedStatementsOfChangesInShareholdersEquityTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ScheduleOfConsolidatedStatementsOfChangesInShareholdersEquityTableTextBlock"/>
  <xs:element name="ScheduleOfAmortizedCostAndEstimatedFairValueOfFixedIncomeSecuritiesForContinuingAndDiscontinuedOperationsTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ScheduleOfAmortizedCostAndEstimatedFairValueOfFixedIncomeSecuritiesForContinuingAndDiscontinuedOperationsTableTextBlock"/>
  <xs:element name="ScheduleOfContinuingAndDiscontinuedOperationsByDurationOfTheCompanysGrossUnrealizedLossesOnFixedIncomeSecuritiesTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ScheduleOfContinuingAndDiscontinuedOperationsByDurationOfTheCompanysGrossUnrealizedLossesOnFixedIncomeSecuritiesTableTextBlock"/>
  <xs:element name="ScheduleOfReconciliationOfDirectToNetLossesAndLossAdjustmentExpensesTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ScheduleOfReconciliationOfDirectToNetLossesAndLossAdjustmentExpensesTableTextBlock"/>
  <xs:element name="ScheduleofAssetsandLiabilitiesAssociatedwithDiscontinuedOperationsTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ScheduleofAssetsandLiabilitiesAssociatedwithDiscontinuedOperationsTableTextBlock"/>
  <xs:element name="BasisofPresentationandAccountingPoliciesDetailsScheduleofConsolidatedStatementsofChangesinShareholdersEquityTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_BasisofPresentationandAccountingPoliciesDetailsScheduleofConsolidatedStatementsofChangesinShareholdersEquityTable"/>
  <xs:element name="BasisofPresentationandAccountingPoliciesDetailsScheduleofConsolidatedStatementsofChangesinShareholdersEquityLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_BasisofPresentationandAccountingPoliciesDetailsScheduleofConsolidatedStatementsofChangesinShareholdersEquityLineItems"/>
  <xs:element name="NetCashFlowsFromOperatingActivitiesLossOnSaleOfDiscontinuedOperations" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="nodk_NetCashFlowsFromOperatingActivitiesLossOnSaleOfDiscontinuedOperations"/>
  <xs:element name="InvestmentsDetailsScheduleofAmortizedCostandEstimatedFairValueofFixedIncomeSecuritiesforContinuingandDiscontinuedOperationsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_InvestmentsDetailsScheduleofAmortizedCostandEstimatedFairValueofFixedIncomeSecuritiesforContinuingandDiscontinuedOperationsTable"/>
  <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="InvestmentsDetailsScheduleofContinuingandDiscontinuedOperationsbyDurationoftheCompanysGrossUnrealizedLossesonFixedIncomeTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_InvestmentsDetailsScheduleofContinuingandDiscontinuedOperationsbyDurationoftheCompanysGrossUnrealizedLossesonFixedIncomeTable"/>
  <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="FairValueMeasurementsDetailsScheduleofAssetsWhichareMeasuredonaRecurringBasisTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_FairValueMeasurementsDetailsScheduleofAssetsWhichareMeasuredonaRecurringBasisTable"/>
  <xs:element name="ReinsuranceDetailsScheduleofDirecttoNetLossesandLossAdjustmentExpensesTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_ReinsuranceDetailsScheduleofDirecttoNetLossesandLossAdjustmentExpensesTable"/>
  <xs:element name="LiabilityForUnpaidLossesAndLossAdjustmentExpensesForDisposedinSale" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_LiabilityForUnpaidLossesAndLossAdjustmentExpensesForDisposedinSale"/>
  <xs:element name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNetForDisposedinSale" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNetForDisposedinSale"/>
  <xs:element name="GoodwillandOtherIntangiblesDetailsScheduleofOtherIntangibleAssetsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_GoodwillandOtherIntangiblesDetailsScheduleofOtherIntangibleAssetsTable"/>
  <xs:element name="PoolingPayable" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_PoolingPayable"/>
  <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="LeaseLiabilityfPrincipalRemainderOfFiscalYear" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_LeaseLiabilityfPrincipalRemainderOfFiscalYear"/>
  <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="LeaseLiabilityPaymentsDueYearFive" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_LeaseLiabilityPaymentsDueYearFive"/>
  <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="ShareBasedCompensationDetailsScheduleofRestrictedStockOutstandingTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_ShareBasedCompensationDetailsScheduleofRestrictedStockOutstandingTable"/>
  <xs:element name="ShareBasedCompensationDetailsScheduleofRSUActivityTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_ShareBasedCompensationDetailsScheduleofRSUActivityTable"/>
  <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="ShareBasedCompensationDetailsScheduleofPerformanceStockOutstandingTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_ShareBasedCompensationDetailsScheduleofPerformanceStockOutstandingTable"/>
  <xs:element name="SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedOptionsPerformanceAdjustmentWeightedAverageGrantDateFairValue" type="dtr:perShareItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedOptionsPerformanceAdjustmentWeightedAverageGrantDateFairValue"/>
  <xs:element name="ShareBasedCompensationDetailsScheduleofPSUActivityTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_ShareBasedCompensationDetailsScheduleofPSUActivityTable"/>
  <xs:element name="AllowanceforExpectedCreditLossesDetailsScheduleofAllowanceforExpectedCreditLossesTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_AllowanceforExpectedCreditLossesDetailsScheduleofAllowanceforExpectedCreditLossesTable"/>
  <xs:element name="FinancingReceivableAllowanceforExpectedCreditLossesDisposedInSale" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_FinancingReceivableAllowanceforExpectedCreditLossesDisposedInSale"/>
  <xs:element name="DiscontinuedOperationFixedIncomeSecuritiesAtFairValue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="nodk_DiscontinuedOperationFixedIncomeSecuritiesAtFairValue"/>
  <xs:element name="DiscontinuedOperationEquitySecuritiesAtFairValue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="nodk_DiscontinuedOperationEquitySecuritiesAtFairValue"/>
  <xs:element name="DiscontinuedOperationAssetsCashAndInvestment" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="nodk_DiscontinuedOperationAssetsCashAndInvestment"/>
  <xs:element name="DiscontinuedOperationPremiumsAndAgentsBalancesReceivable" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="nodk_DiscontinuedOperationPremiumsAndAgentsBalancesReceivable"/>
  <xs:element name="DiscontinuedOperationDeferredPolicyAcquisitionCosts" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="nodk_DiscontinuedOperationDeferredPolicyAcquisitionCosts"/>
  <xs:element name="DiscontinuedOperationReinsurancePremiumsReceivable" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="nodk_DiscontinuedOperationReinsurancePremiumsReceivable"/>
  <xs:element name="DiscontinuedOperationReinsuranceRecoverablesOnLosses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="nodk_DiscontinuedOperationReinsuranceRecoverablesOnLosses"/>
  <xs:element name="DiscontinuedOperationUnpaidLossesAndLossAdjustmentExpenses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_DiscontinuedOperationUnpaidLossesAndLossAdjustmentExpenses"/>
  <xs:element name="DiscontinuedOperationUnearnedPremiums" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_DiscontinuedOperationUnearnedPremiums"/>
  <xs:element name="DiscontinuedOperationIncomeTaxPayablereceivable" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_DiscontinuedOperationIncomeTaxPayablereceivable"/>
  <xs:element name="DiscontinuedOperationPremiumsEarnedNet" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_DiscontinuedOperationPremiumsEarnedNet"/>
  <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="CededLossesAndLossAdjustmentExpenses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_CededLossesAndLossAdjustmentExpenses"/>
  <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="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="OperatingLeaseExpire" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_OperatingLeaseExpire"/>
  <xs:element name="CommonandPreferredStockDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_CommonandPreferredStockDetailsTable"/>
  <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="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="AsRestatedMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_AsRestatedMember"/>
  <xs:element name="AttributableToNIHoldingsIncMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_AttributableToNIHoldingsIncMember"/>
  <xs:element name="AttributableToNonControllingInterestMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_AttributableToNonControllingInterestMember"/>
  <xs:element name="BattleCreekMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_BattleCreekMember"/>
  <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="CurrentAndPriorYearMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_CurrentAndPriorYearMember"/>
  <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="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="NotSubjectToAmortizationContinuingOperationsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_NotSubjectToAmortizationContinuingOperationsMember"/>
  <xs:element name="NotSubjectToAmortizationDiscontinuedOperationsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_NotSubjectToAmortizationDiscontinuedOperationsMember"/>
  <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="StateInsuranceLicensesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_StateInsuranceLicensesMember"/>
  <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="TotalMoneyMarketAccountsAndCashEquivalentsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_TotalMoneyMarketAccountsAndCashEquivalentsMember"/>
  <xs:element name="UnearnedEmployeeStockOwnershipPlanSharesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_UnearnedEmployeeStockOwnershipPlanSharesMember"/>
  <xs:element name="WestminsterAmericanInsuranceCompanyMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_WestminsterAmericanInsuranceCompanyMember"/>
  <xs:element name="DocumentAndEntityInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_DocumentAndEntityInformationAbstract"/>
</xs:schema>
