Flood Claims Map

Minnesota

Flood insurance claims in Otter Tail County, Minnesota

FEMA records 109 National Flood Insurance Program claims in Otter Tail County, Minnesota, since 1978, with $1.4 million paid in total. The year with the most claims was 2011, with 46. As of 3 August 2026, 0.0% of homes here had an NFIP policy.

NFIP claims on record109
Total paid$1.4 million
Claims with a payment77
Homes with NFIP policy0.0%
High-risk zone homes insuredn/a
Residential policies in force7

Claims by year of loss

1978: 119781979: 11980: 01981: 01982: 019821983: 01984: 01985: 11986: 019861987: 01988: 01989: 01990: 019901991: 01992: 01993: 01994: 019941995: 01996: 01997: 31998: 319981999: 72000: 02001: 122002: 220022003: 02004: 02005: 12006: 420062007: 52008: 02009: 12010: 320102011: 462012: 42013: 22014: 620142015: 32016: 12017: 02018: 020182019: 02020: 346

NFIP claims by year of loss, Otter Tail County, Minnesota

1978: $1,35619781979: $1461980: $01981: $01982: $019821983: $01984: $01985: $01986: $019861987: $01988: $01989: $01990: $019901991: $01992: $01993: $01994: $019941995: $01996: $01997: $4,2921998: $40,59919981999: $134,4222000: $02001: $25,7752002: $19,05120022003: $02004: $02005: $02006: $254,61620062007: $20,9312008: $02009: $5,6702010: $7,99220102011: $812,0042012: $02013: $40,0002014: $21,41220142015: $3,1322016: $2,2602017: $02018: $020182019: $02020: $2,760$812,004

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding2
Severe flooding2
Torrential rain1
Not a named storm1
Winter storm1

ZIP codes with the most claims

ZIP code (as reported)Claims
5657347
5654412
5657210
565159
565718
565377
565343
565283
565863
565242

2 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.3 million, contents $55,732, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone00n/a
All homes45,21170.0%

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.