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  <xs:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingNumber1" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="nodk_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingNumber1"/>
  <xs:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod1" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod1"/>
  <xs:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod1" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod1"/>
  <xs:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsPerformanceAdjustmentInPeriod" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsPerformanceAdjustmentInPeriod"/>
  <xs:element name="SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedOptionsPerformanceAdjustmentWeightedAverageGrantDateFairValue" type="dtr:perShareItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedOptionsPerformanceAdjustmentWeightedAverageGrantDateFairValue"/>
  <xs:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod1" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod1"/>
  <xs:element name="ShareBasedCompensationDetailsScheduleofPSUactivityTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_ShareBasedCompensationDetailsScheduleofPSUactivityTable"/>
  <xs:element name="ShareBasedCompensationDetailsScheduleofPSUactivityLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_ShareBasedCompensationDetailsScheduleofPSUactivityLineItems"/>
  <xs:element name="AllowanceforExpectedCreditLossesDetailsScheduleofallowanceforexpectedcreditlossesTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_AllowanceforExpectedCreditLossesDetailsScheduleofallowanceforexpectedcreditlossesTable"/>
  <xs:element name="AllowanceforExpectedCreditLossesDetailsScheduleofallowanceforexpectedcreditlossesLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_AllowanceforExpectedCreditLossesDetailsScheduleofallowanceforexpectedcreditlossesLineItems"/>
  <xs:element name="SegmentInformationDetailsScheduleofrevenuebyinsuranceproductlineTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_SegmentInformationDetailsScheduleofrevenuebyinsuranceproductlineTable"/>
  <xs:element name="SegmentInformationDetailsScheduleofrevenuebyinsuranceproductlineLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_SegmentInformationDetailsScheduleofrevenuebyinsuranceproductlineLineItems"/>
  <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="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="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="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="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="ReinsuranceRecoverablesCoverageUp" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="nodk_ReinsuranceRecoverablesCoverageUp"/>
  <xs:element name="ExcessAmountPerProperty" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="nodk_ExcessAmountPerProperty"/>
  <xs:element name="CededReinsuranceCommissionPercentage" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_CededReinsuranceCommissionPercentage"/>
  <xs:element name="UnpaidLossesandLossAdjustmentExpensesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_UnpaidLossesandLossAdjustmentExpensesDetailsTable"/>
  <xs:element name="UnpaidLossesandLossAdjustmentExpensesDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_UnpaidLossesandLossAdjustmentExpensesDetailsLineItems"/>
  <xs:element name="RoyaltiesDividendsandAffiliationsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="nodk_RoyaltiesDividendsandAffiliationsDetailsTable"/>
  <xs:element name="RoyaltiesDividendsandAffiliationsDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_RoyaltiesDividendsandAffiliationsDetailsLineItems"/>
  <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="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="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="AllowanceForExpectedCreditLossesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_AllowanceForExpectedCreditLossesMember"/>
  <xs:element name="AmericanWestInsuranceCompanyMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_AmericanWestInsuranceCompanyMember"/>
  <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="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="CropMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_CropMember"/>
  <xs:element name="DirectAutoAndWestminsterMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_DirectAutoAndWestminsterMember"/>
  <xs:element name="DirectAutoInsuranceCompanyMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_DirectAutoInsuranceCompanyMember"/>
  <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="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="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="PrimeroInsuranceCompanyMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_PrimeroInsuranceCompanyMember"/>
  <xs:element name="PrivatePassengerAutoMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_PrivatePassengerAutoMember"/>
  <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="UnearnedEmployeeStockOwnershipPlanSharesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_UnearnedEmployeeStockOwnershipPlanSharesMember"/>
  <xs:element name="WestminsterAmericanInsuranceCompany1Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nodk_WestminsterAmericanInsuranceCompany1Member"/>
  <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>
