Flood Claims Map

North Dakota

Flood insurance claims in Cass County, North Dakota

FEMA records 3,345 National Flood Insurance Program claims in Cass County, North Dakota, since 1978, with $24.8 million paid in total. The year with the most claims was 1997, with 1,201. As of 3 August 2026, 4.5% of homes here had an NFIP policy, and 49.0% of homes in the high-risk flood zone did.

NFIP claims on record3,345
Total paid$24.8 million
Claims with a payment2,877
Homes with NFIP policy4.5%
High-risk zone homes insured49.0%
Residential policies in force2,113

Claims by year of loss

1978: 16319781979: 2661980: 41981: 51982: 1419821983: 51984: 61985: 31986: 319861987: 21988: 01989: 1181990: 319901991: 471992: 01993: 941994: 319941995: 121996: 221997: 1,2011998: 319981999: 32000: 362001: 942002: 220022003: 02004: 12005: 02006: 4820062007: 22008: 02009: 7252010: 17820102011: 1882012: 12013: 362014: 120142015: 42016: 02017: 02018: 220182019: 232020: 92021: 02022: 720222023: 32024: 32025: 51,201

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

1978: $691,42119781979: $899,2201980: $7231981: $5901982: $6,20119821983: $2571984: $1,9641985: $01986: $019861987: $7721988: $01989: $569,9711990: $019901991: $113,1851992: $01993: $98,2311994: $1,75019941995: $40,9641996: $23,5471997: $10.2 million1998: $019981999: $81,6802000: $872,0502001: $120,9562002: $6,80020022003: $02004: $02005: $02006: $133,52520062007: $1,0002008: $02009: $10.0 million2010: $192,77920102011: $628,0322012: $02013: $41,8672014: $020142015: $02016: $02017: $02018: $1,30620182019: $63,2232020: $43,8792021: $02022: $44,52620222023: $3,8512024: $02025: $2,697$10.2 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding1,145
Not a named storm227
Winter storm106
Midwest Flooding88
Severe flooding85
Late spring storms40

ZIP codes with the most claims

ZIP code (as reported)Claims
581041,046
58102686
58078440
58042342
58047288
58103274
5800575
5805148
5803627
5805922

1,720 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $22.7 million, contents $2.1 million, increased cost of compliance $30,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2,6911,31949.0%
All homes47,3182,1134.5%

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.