Flood Claims Map

Minnesota

Flood insurance claims in Clay County, Minnesota

FEMA records 1,358 National Flood Insurance Program claims in Clay County, Minnesota, since 1978, with $13.8 million paid in total. The year with the most claims was 1997, with 460. As of 3 August 2026, 0.7% of homes here had an NFIP policy, and 10.4% of homes in the high-risk flood zone did.

NFIP claims on record1,358
Total paid$13.8 million
Claims with a payment1,195
Homes with NFIP policy0.7%
High-risk zone homes insured10.4%
Residential policies in force177

Claims by year of loss

1978: 8419781979: 891980: 11981: 21982: 119821983: 11984: 41985: 01986: 019861987: 01988: 11989: 601990: 019901991: 01992: 01993: 311994: 019941995: 21996: 11997: 4601998: 719981999: 32000: 322001: 512002: 020022003: 02004: 02005: 12006: 3520062007: 02008: 12009: 3342010: 7420102011: 742012: 02013: 32014: 120142015: 12016: 22017: 02018: 020182019: 2460

NFIP claims by year of loss, Clay County, Minnesota

1978: $593,66719781979: $644,3921980: $01981: $2,3921982: $74319821983: $01984: $9301985: $01986: $019861987: $01988: $01989: $221,0961990: $019901991: $01992: $01993: $53,2861994: $019941995: $5,6811996: $1,1881997: $4.8 million1998: $130,66319981999: $232,4742000: $106,6002001: $60,7772002: $020022003: $02004: $02005: $1,3042006: $222,13320062007: $02008: $02009: $6.3 million2010: $146,73920102011: $234,4192012: $02013: $1,7182014: $020142015: $7342016: $02017: $02018: $020182019: $65,296$6.3 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding458
Winter storm99
Not a named storm85
Severe flooding46
Midwest Flooding24

ZIP codes with the most claims

ZIP code (as reported)Claims
565601,152
56546104
5654731
5658026
5652912
5656111
565498
565542
565132
565362

524 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $12.8 million, contents $902,673, increased cost of compliance $150,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone7968310.4%
All homes24,1081770.7%

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

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

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.