Flood Claims Map

Minnesota

Flood insurance claims in Wilkin County, Minnesota

FEMA records 495 National Flood Insurance Program claims in Wilkin County, Minnesota, since 1978, with $7.4 million paid in total. The year with the most claims was 1997, with 407. As of 3 August 2026, 0.9% of homes here had an NFIP policy, and 5.9% of homes in the high-risk flood zone did.

NFIP claims on record495
Total paid$7.4 million
Claims with a payment443
Homes with NFIP policy0.9%
High-risk zone homes insured5.9%
Residential policies in force35

Claims by year of loss

1978: 419781979: 41980: 01981: 01982: 019821983: 01984: 11985: 21986: 019861987: 01988: 01989: 241990: 019901991: 01992: 01993: 11994: 019941995: 01996: 01997: 4071998: 019981999: 02000: 02001: 302002: 020022003: 02004: 02005: 02006: 020062007: 12008: 12009: 112010: 220102011: 52012: 02013: 12014: 020142015: 02016: 02017: 02018: 020182019: 02020: 1407

NFIP claims by year of loss, Wilkin County, Minnesota

1978: $4,70219781979: $5,3571980: $01981: $01982: $019821983: $01984: $01985: $01986: $019861987: $01988: $01989: $140,8491990: $019901991: $01992: $01993: $4671994: $019941995: $01996: $01997: $7.2 million1998: $019981999: $02000: $02001: $27,1052002: $020022003: $02004: $02005: $02006: $020062007: $4,2712008: $6,2682009: $25,4362010: $1,00020102011: $9772012: $02013: $7,7252014: $020142015: $02016: $02017: $02018: $020182019: $02020: $0$7.2 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding406
Severe flooding20
Winter storm9
Not a named storm4

ZIP codes with the most claims

ZIP code (as reported)Claims
56520472
5652213
565948
565531
565791

79 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $6.3 million, contents $1.1 million, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone256155.9%
All homes3,695350.9%

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.