Flood insurance claims in Mille Lacs County, Minnesota

FEMA records 24 National Flood Insurance Program claims in Mille Lacs County, Minnesota, since 1979, with $118,930 paid in total. The year with the most claims was 2001, with 6. As of 3 August 2026, 0.4% of homes here had an NFIP policy, and 7.8% of homes in the high-risk flood zone did.

NFIP claims on record24

Total paid$118,930

Claims with a payment17

Homes with NFIP policy0.4%

High-risk zone homes insured7.8%

Residential policies in force57

Claims by year of loss

NFIP claims by year of loss, Mille Lacs County, Minnesota

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

Named flood events with the most claims

Event (FEMA name)	Claims
Severe flooding	5

ZIP codes with the most claims

ZIP code (as reported)	Claims
55371	12
56353	8
56342	2
56359	2

13 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $97,391, contents $21,539, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	524	41	7.8%
All homes	14,472	57	0.4%

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.