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  <element name="CommunicationsMember" id="NODK_CommunicationsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="ConsumerCyclicalMember" id="NODK_ConsumerCyclicalMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="ConsumerNonCyclicalMember" id="NODK_ConsumerNonCyclicalMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="EnergyMember" id="NODK_EnergyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="FinancialMember" id="NODK_FinancialMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="IndustrialMember" id="NODK_IndustrialMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="TechnologyMember" id="NODK_TechnologyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="UtilityMember" id="NODK_UtilityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="RetainedRiskAmount" id="NODK_RetainedRiskAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" xbrli:balance="debit"/>
  <element name="CatastrophicRetentionAmountIncreased" id="NODK_CatastrophicRetentionAmountIncreased" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" xbrli:balance="credit"/>
  <element name="CededReinsuranceCommissionPercentage" id="NODK_CededReinsuranceCommissionPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant"/>
  <element name="CededPremiumWritten" id="NODK_CededPremiumWritten" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" xbrli:balance="debit"/>
  <element name="SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearAcquiredClaimsAndClaimsAdjustmentExpense" id="NODK_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearAcquiredClaimsAndClaimsAdjustmentExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" xbrli:balance="debit"/>
  <element name="SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearAcquiredClaimsAndClaimsAdjustmentExpense" id="NODK_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearAcquiredClaimsAndClaimsAdjustmentExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" xbrli:balance="debit"/>
  <element name="LiabilityForUnpaidClaimsAndAcquiredClaimsAdjustmentExpenseIncurredClaims1" id="NODK_LiabilityForUnpaidClaimsAndAcquiredClaimsAdjustmentExpenseIncurredClaims1" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" xbrli:balance="debit"/>
  <element name="PrimeroInsuranceCompanyMember" id="NODK_PrimeroInsuranceCompanyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="SubjectToAmortizationMember" id="NODK_SubjectToAmortizationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="NotSubjectToAmortizationStateInsuranceLicensesMember" id="NODK_NotSubjectToAmortizationStateInsuranceLicensesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="DistributionNetworkMember" id="NODK_DistributionNetworkMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="FiniteLivedIntangibleAssetsExpectedAmortization" id="NODK_FiniteLivedIntangibleAssetsExpectedAmortization" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" xbrli:balance="debit"/>
  <element name="NorthDakotaFarmBureauMember" id="NODK_NorthDakotaFarmBureauMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="DirectAutoInsuranceCompanyMember" id="NODK_DirectAutoInsuranceCompanyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="WestminsterInsuranceCompanyMember" id="NODK_WestminsterInsuranceCompanyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="BoardOfDirectorsMember" id="NODK_BoardOfDirectorsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="NodakInsuranceCompanyMember" id="NODK_NodakInsuranceCompanyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="AmericanWestInsuranceCompanyMember" id="NODK_AmericanWestInsuranceCompanyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="BattleCreekMutualInsuranceCompanyMember" id="NODK_BattleCreekMutualInsuranceCompanyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="TotalOwnershipMember" id="NODK_TotalOwnershipMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="BattleCreekMember" id="NODK_BattleCreekMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="CashAndCashEquivalentsOverdraft" id="NODK_CashAndCashEquivalentsOverdraft" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" xbrli:balance="credit"/>
  <element name="PoolingReceivable" id="NODK_PoolingReceivable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" xbrli:balance="debit"/>
  <element name="PoolingPayable" id="NODK_PoolingPayable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" xbrli:balance="credit"/>
  <element name="FundsDepositedInDeferredCompensation" id="NODK_FundsDepositedInDeferredCompensation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" xbrli:balance="credit"/>
  <element name="PercentageOfEsopInAuthorizedShares" id="NODK_PercentageOfEsopInAuthorizedShares" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="DeferredCompensationPlanExpenses" id="NODK_DeferredCompensationPlanExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" xbrli:balance="debit"/>
  <element name="WestminsterMember" id="NODK_WestminsterMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="PrimeorSubsidiaryLeaseMember" id="NODK_PrimeorSubsidiaryLeaseMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="DirectAutoSubsidiaryLeaseMember" id="NODK_DirectAutoSubsidiaryLeaseMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="FirstAuthorizationMember" id="NODK_FirstAuthorizationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="AdditionalAuthorizationMember" id="NODK_AdditionalAuthorizationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="EmployeeStockOwnershipPlanESOPRepurchaseObligationShares" id="NODK_EmployeeStockOwnershipPlanESOPRepurchaseObligationShares" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="IssuanceOfTreasurySharesForVestingOfRestrictedStockUnits" id="NODK_IssuanceOfTreasurySharesForVestingOfRestrictedStockUnits" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="ShareGrantedNotExceed" id="NODK_ShareGrantedNotExceed" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" xbrli:balance="credit"/>
  <element name="PercentageOfGrantedSharesToEmployeesPerYear" id="NODK_PercentageOfGrantedSharesToEmployeesPerYear" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="PercentageOfRsuGrantedToNonemployeeDirectorsPerYear" id="NODK_PercentageOfRsuGrantedToNonemployeeDirectorsPerYear" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsPerformanceAdjustmentInPeriod" id="NODK_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsPerformanceAdjustmentInPeriod" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedOptionsPerformanceAdjustmentWeightedAverageGrantDateFairValue" id="NODK_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedOptionsPerformanceAdjustmentWeightedAverageGrantDateFairValue" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="PrivatePassengerAutoMember" id="NODK_PrivatePassengerAutoMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="NonStandardAutoMember" id="NODK_NonStandardAutoMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="HomeAndFarmMember" id="NODK_HomeAndFarmMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="CropMember" id="NODK_CropMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="CommercialMember" id="NODK_CommercialMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="AllOtherMember" id="NODK_AllOtherMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="AssumedPremiumsEarnedCredited" id="NODK_AssumedPremiumsEarnedCredited" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" xbrli:balance="credit"/>
  <element name="CededPremiumsEarnedOrCredited" id="NODK_CededPremiumsEarnedOrCredited" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" xbrli:balance="debit"/>
  <element name="ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountAssumedOrDebited" id="NODK_ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountAssumedOrDebited" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" xbrli:balance="debit"/>
  <element name="CededLosses" id="NODK_CededLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" xbrli:balance="credit"/>
  <element name="FeeAndOtherIncome" id="NODK_FeeAndOtherIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" xbrli:balance="credit"/>
  <element name="NongaapRatiosAbstract" id="NODK_NongaapRatiosAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
</schema>
