Flood insurance claims in Norman County, Minnesota

FEMA records 247 National Flood Insurance Program claims in Norman County, Minnesota, since 1978, with $2.5 million paid in total. The year with the most claims was 1997, with 108. As of 3 August 2026, 1.4% of homes here had an NFIP policy, and 14.3% of homes in the high-risk flood zone did.

NFIP claims on record247

Total paid$2.5 million

Claims with a payment211

Homes with NFIP policy1.4%

High-risk zone homes insured14.3%

Residential policies in force45

Claims by year of loss

NFIP claims by year of loss, Norman County, Minnesota

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	107
Not a named storm	36
Winter storm	8
Severe flooding	6
Torrential rain	2

ZIP codes with the most claims

ZIP code (as reported)	Claims
56548	100
56510	60
56574	45
56550	25
56581	4
56568	3
56519	3
56584	1
56560	1
56546	1

109 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.9 million, contents $568,549, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	231	33	14.3%
All homes	3,160	45	1.4%

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.