Flood Claims Map

Minnesota

Flood insurance claims in Dakota County, Minnesota

FEMA records 181 National Flood Insurance Program claims in Dakota County, Minnesota, since 1978, with $3.9 million paid in total. The year with the most claims was 2001, with 21. As of 3 August 2026, 0.1% of homes here had an NFIP policy, and 6.6% of homes in the high-risk flood zone did.

NFIP claims on record181
Total paid$3.9 million
Claims with a payment130
Homes with NFIP policy0.1%
High-risk zone homes insured6.6%
Residential policies in force161

Claims by year of loss

1978: 219781979: 51980: 21981: 31982: 119821983: 11984: 41985: 01986: 219861987: 41988: 11989: 01990: 019901991: 01992: 11993: 31994: 019941995: 11996: 01997: 201998: 719981999: 12000: 62001: 212002: 320022003: 12004: 02005: 02006: 020062007: 02008: 02009: 02010: 1720102011: 132012: 32013: 22014: 1320142015: 12016: 12017: 02018: 320182019: 192020: 62021: 02022: 120222023: 72024: 621

NFIP claims by year of loss, Dakota County, Minnesota

1978: $2,11919781979: $3,9521980: $01981: $8,8291982: $019821983: $01984: $3,1361985: $01986: $12,42319861987: $9701988: $01989: $01990: $019901991: $01992: $8031993: $27,4461994: $019941995: $01996: $01997: $308,7551998: $37,78819981999: $22,9822000: $39,7872001: $609,2532002: $2,92520022003: $02004: $02005: $02006: $020062007: $02008: $02009: $02010: $402,26920102011: $145,4252012: $9,7602013: $5,9342014: $380,59920142015: $02016: $188,4212017: $02018: $19,97620182019: $673,3502020: $157,3312021: $02022: $020222023: $418,4082024: $399,824$673,350

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

Named flood events with the most claims

Event (FEMA name)Claims
Severe flooding18
Flooding18
June Midwest Flooding5
Not a named storm1
Midwest Flooding1

ZIP codes with the most claims

ZIP code (as reported)Claims
5511847
5503336
5533715
5502414
5504412
551228
550768
551237
550756
553065

96 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.8 million, contents $1.1 million, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone488326.6%
All homes145,9261610.1%

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.