Minnesota
flood insurance data

NFIP premiums in Minnesota

NFIP premiums: what NFIP policyholders paid, not a quote. Across 5,282 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $1,088, and half of them fall between $752 (Q1) and $1,430 (Q3).

Of the 3 zones listed (X, AE, A), zone AE has the highest median premium ($1,325) and zone X the lowest ($968). No coastal V or VE zone is listed.

By flood zone

Policies in force by year

Base of each count: the yearly figures are FEMA API counts of residential policy terms, every premium included; the median and quartiles rest on the policies effective 2025 with a positive policyCost. For 2025 both bases count 5,282 policies.

NFIP paid building claims in Minnesota

NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 579 paid claims; median $9,771, half of them between $3,526 (Q1) and $26,923 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $11,394, a monetary adjustment, not today’s cost of repair.

The paid claims are spread over the years (year of loss 2015-2024): the busiest, 2019, holds 33.7% of them. With 579 paid claims (year of loss 2015-2024), Minnesota has the 18th fewest of 53 States and territories. Named events weigh little on the paid claims in Minnesota: the largest, June Midwest Flooding, accounts for 17.8% of them.

Paid claims by year of loss

FEMA disaster declarations

Since 2000: 30 flood, hurricane and severe-storm declarations (DR and EM) covering Minnesota, 27 of them major disaster declarations.

Minnesota counts 30 flood, hurricane and severe-storm declarations (DR and EM) since 2000, the 21st most of 53 States and territories. Severe Storm declarations are the most frequent (16), ahead of Flood (13) and Hurricane (1).

Latest declarations

• DR-4797: SEVERE STORMS AND FLOODING (Flood, 2024-06-28)
• DR-4722: SEVERE STORMS AND FLOODING (Flood, 2023-07-19)
• DR-4666: SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING (Severe Storm, 2022-08-09)
• DR-4659: SEVERE STORMS, STRAIGHT-LINE WINDS, AND FLOODING (Flood, 2022-07-13)
• DR-4658: SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING (Severe Storm, 2022-07-08)

FEMA assistance to homeowners

Since 2002: 10,948 owner registrations inspected by FEMA in Minnesota after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.

Disasters with the most inspections

• DR-1717, SEVERE STORMS AND FLOODING (declared 2007-08-23): 4,043 inspections
• DR-4797, SEVERE STORMS AND FLOODING (declared 2024-06-28): 3,325 inspections
• DR-1569, SEVERE STORMS AND FLOODING (declared 2004-10-07): 1,369 inspections
• DR-4290, SEVERE STORMS AND FLOODING (declared 2016-11-02): 1,124 inspections
• DR-1830, SEVERE STORMS AND FLOODING (declared 2009-04-09): 973 inspections

NFIP communities and flood maps

FEMA’s Community Status Book lists 743 NFIP communities in Minnesota: 641 participate in the NFIP and 13 (1.7%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 5 (Austin, City of and Moorhead, City of): FEMA applies its CRS discount to the full-risk premium of Regular Program NFIP policies in those communities, inside or outside the SFHA, not to the whole state; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in Minnesota dates from 1950-01-02 (Middleville, Township of). 102 of these communities do not participate in the NFIP; 102 carry a sanction, 1 coded as a suspension and 1 as a withdrawal.

In Minnesota, 5.4% of the Status Book’s communities span several counties or match no county by name, so community counts by county are partial there.

Questions about flood insurance in Minnesota

How much is flood insurance in Minnesota?

NFIP policyholders in Minnesota paid a median of $1,088 for residential policies effective 2025 (5,282 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $752 and $1,430; $1,263 inside the Special Flood Hazard Area against $968 outside it: what NFIP policyholders paid, not a quote.

How many flood insurance claims has Minnesota had?

579 NFIP building claims were paid (year of loss 2015-2024), with a median of $9,771; the year with the most was 2019 (195), and the named event with the most was June Midwest Flooding (103). These are amounts paid, not repair cost.

Is Minnesota in a flood zone?

Of the residential NFIP policies of Minnesota (policies effective 2025), 2,790 are rated inside the Special Flood Hazard Area and 2,487 outside it (zones listed: X, AE, A), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.

Related tools

NFIP paid claims and premiums are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.

To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.

Before using these figures

A state figure mixes very different counties and flood zones. Method and limits.

Source and notice

• 0 residential 2025 policies with policyCost <= 0 or empty are left out; 5 kept policies have zone D or an unknown zone (in n, not in the zone tables).
• Owners assistance: county names not matched to a FIPS code (counted in the State total only): Leech Lake Indian Reservation (no match, 114 inspected)

This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).