Flood insurance claims in Koochiching County, Minnesota

FEMA records 17 National Flood Insurance Program claims in Koochiching County, Minnesota, since 1979, with $322,358 paid in total. The year with the most claims was 2022, with 9. As of 3 August 2026, 0.3% of homes here had an NFIP policy.

NFIP claims on record17

Total paid$322,358

Claims with a payment12

Homes with NFIP policy0.3%

High-risk zone homes insuredn/a

Residential policies in force23

Claims by year of loss

NFIP claims by year of loss, Koochiching County, Minnesota

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

Named flood events with the most claims

Event (FEMA name)	Claims
Not a named storm	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
56649	15
56627	1
56669	1

14 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $320,770, contents $1,588, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	0	19	n/a
All homes	8,291	23	0.3%

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.