Flood Claims Map

Minnesota

Flood insurance claims in St. Louis County, Minnesota

FEMA records 183 National Flood Insurance Program claims in St. Louis County, Minnesota, since 1978, with $1.8 million paid in total. The year with the most claims was 2012, with 57. As of 3 August 2026, 0.3% of homes here had an NFIP policy.

NFIP claims on record183
Total paid$1.8 million
Claims with a payment122
Homes with NFIP policy0.3%
High-risk zone homes insuredn/a
Residential policies in force290

Claims by year of loss

1978: 719781979: 321980: 51981: 01982: 719821983: 01984: 01985: 11986: 719861987: 01988: 11989: 31990: 319901991: 41992: 01993: 21994: 119941995: 11996: 21997: 71998: 019981999: 72000: 02001: 62002: 220022003: 02004: 02005: 02006: 020062007: 32008: 12009: 32010: 320102011: 02012: 572013: 12014: 220142015: 02016: 02017: 02018: 220182019: 32020: 12021: 02022: 320222023: 02024: 657

NFIP claims by year of loss, St. Louis County, Minnesota

1978: $3,18519781979: $51,6391980: $6581981: $01982: $35,19619821983: $01984: $01985: $01986: $27319861987: $01988: $01989: $4,0761990: $16,21819901991: $01992: $01993: $24,5611994: $019941995: $01996: $1,6791997: $19,3141998: $019981999: $45,0602000: $02001: $3,2232002: $11,97820022003: $02004: $02005: $02006: $020062007: $3,5152008: $02009: $27,5862010: $5,20520102011: $02012: $1.0 million2013: $02014: $1,25020142015: $02016: $02017: $02018: $12,30720182019: $55,5052020: $02021: $02022: $43,76020222023: $02024: $437,786$1.0 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Not a named storm13
Flooding6
Severe flooding5
June Midwest Flooding2

ZIP codes with the most claims

ZIP code (as reported)Claims
5580828
5580328
5573627
5572315
5580710
5581010
5580410
5581110
557799
558028

89 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.6 million, contents $187,674, increased cost of compliance $40,101.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone0183n/a
All homes102,6292900.3%

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

  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.