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  <xs:element id="nodk_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedOptionsPerformanceAdjustmentWeightedAverageGrantDateFairValue" name="SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedOptionsPerformanceAdjustmentWeightedAverageGrantDateFairValue" type="dtr:perShareItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
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  <xs:element id="nodk_LeaseLiabilityPaymentsDueAfterYearFive" name="LeaseLiabilityPaymentsDueAfterYearFive" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
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  <xs:element id="nodk_IssuanceOfTreasurySharesForVestingOfRestrictedStockUnits" name="IssuanceOfTreasurySharesForVestingOfRestrictedStockUnits" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
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  <xs:element id="nodk_IncurredRelatedToAbstract" name="IncurredRelatedToAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="nodk_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNetForDisposedinSale" name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNetForDisposedinSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
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  <xs:element id="nodk_WestminsterBalancesDisposedInSaleAbstract" name="WestminsterBalancesDisposedInSaleAbstract" 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_WestminsterBalanceDisposedInSale" name="WestminsterBalanceDisposedInSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xs:element id="nodk_ScheduleOfPaidClaimsAndAllocatedClaimAdjustmentExpensesNetOfReinsuranceAbstract" name="ScheduleOfPaidClaimsAndAllocatedClaimAdjustmentExpensesNetOfReinsuranceAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
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  <xs:element id="nodk_WestMinisterMember" name="WestMinisterMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
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  <xs:element id="nodk_PremiumsEarnedMember" name="PremiumsEarnedMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="nodk_PremiumsWrittenMember" name="PremiumsWrittenMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="nodk_ScheduleOfReconciliationOfDirectToNetPremiumsOnBothAWrittenAndAnEarnedBasisAbstract" name="ScheduleOfReconciliationOfDirectToNetPremiumsOnBothAWrittenAndAnEarnedBasisAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
</xs:schema>
