Flood insurance claims in Benson County, North Dakota

FEMA records 420 National Flood Insurance Program claims in Benson County, North Dakota, since 1995, with $11.2 million paid in total. The year with the most claims was 2011, with 72. As of 3 August 2026, 0.4% of homes here had an NFIP policy, and 100.0% of homes in the high-risk flood zone did.

NFIP claims on record420

Total paid$11.2 million

Claims with a payment209

Homes with NFIP policy0.4%

High-risk zone homes insured100.0%

Residential policies in force10

Claims by year of loss

NFIP claims by year of loss, Benson County, North Dakota

Paid on claims by year of loss (building, contents and increased cost of compliance), Benson County, North Dakota

Named flood events with the most claims

Event (FEMA name)	Claims
Late spring storms	45
Flooding	25
Severe flooding	10
Winter storm	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
58351	220
58370	87
58335	33
58325	27
58381	23
58357	15
58379	8
58332	3
58374	2
58346	1

15 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $11.2 million, contents $4,794, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	1	1	100.0%
All homes	2,511	10	0.4%

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.