Flood insurance claims in Aitkin County, Minnesota

FEMA records 95 National Flood Insurance Program claims in Aitkin County, Minnesota, since 1979, with $754,787 paid in total. The year with the most claims was 2012, with 56. As of 3 August 2026, 0.5% of homes here had an NFIP policy.

NFIP claims on record95

Total paid$754,787

Claims with a payment75

Homes with NFIP policy0.5%

High-risk zone homes insuredn/a

Residential policies in force101

Claims by year of loss

NFIP claims by year of loss, Aitkin County, Minnesota

Paid on claims by year of loss (building, contents and increased cost of compliance), Aitkin County, Minnesota

Named flood events with the most claims

Event (FEMA name)	Claims
Severe flooding	16
Not a named storm	12
Flooding	2

ZIP codes with the most claims

ZIP code (as reported)	Claims
55760	56
56431	23
56469	11
55072	2
55748	1
56342	1
55344	1

63 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $711,221, contents $43,566, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	0	74	n/a
All homes	18,533	101	0.5%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.