Flood Claims Map

Minnesota

Flood insurance claims in Stearns County, Minnesota

FEMA records 112 National Flood Insurance Program claims in Stearns County, Minnesota, since 1979, with $1.1 million paid in total. The year with the most claims was 1997, with 24. As of 3 August 2026, 0.2% of homes here had an NFIP policy, and 14.9% of homes in the high-risk flood zone did.

NFIP claims on record112
Total paid$1.1 million
Claims with a payment82
Homes with NFIP policy0.2%
High-risk zone homes insured14.9%
Residential policies in force153

Claims by year of loss

1979: 119791980: 01981: 01982: 11983: 519831984: 91985: 01986: 31987: 019871988: 01989: 01990: 01991: 019911992: 01993: 21994: 11995: 119951996: 01997: 241998: 01999: 019992000: 02001: 132002: 12003: 020032004: 02005: 12006: 02007: 120072008: 02009: 82010: 02011: 920112012: 02013: 12014: 62015: 120152016: 02017: 02018: 12019: 420192020: 02021: 02022: 132023: 520232024: 02025: 02026: 124

NFIP claims by year of loss, Stearns County, Minnesota

1979: $42719791980: $01981: $01982: $01983: $8,94819831984: $88,1951985: $01986: $43,2771987: $019871988: $01989: $01990: $01991: $019911992: $01993: $2,0221994: $01995: $019951996: $01997: $133,8251998: $01999: $019992000: $02001: $203,0172002: $3,0962003: $020032004: $02005: $1,2012006: $02007: $020072008: $02009: $237,5222010: $02011: $42,61020112012: $02013: $4172014: $35,9052015: $4,03820152016: $02017: $02018: $5,9062019: $80,23320192020: $02021: $02022: $160,6832023: $30,92720232024: $02025: $02026: $0$237,522

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding24
Severe flooding12
Winter storm4
Midwest Flooding1
Not a named storm1

ZIP codes with the most claims

ZIP code (as reported)Claims
5630324
5638715
5631012
5632012
5637711
5630110
553828
563688
563624
553292

59 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $830,983, contents $251,266, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone78411714.9%
All homes67,7481530.2%

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.