Flood Claims Map

North Dakota

Flood insurance claims in Grand Forks County, North Dakota

FEMA records 3,114 National Flood Insurance Program claims in Grand Forks County, North Dakota, since 1978, with $75.5 million paid in total. The year with the most claims was 1997, with 2,293. As of 3 August 2026, 1.6% of homes here had an NFIP policy, and 23.2% of homes in the high-risk flood zone did.

NFIP claims on record3,114
Total paid$75.5 million
Claims with a payment2,774
Homes with NFIP policy1.6%
High-risk zone homes insured23.2%
Residential policies in force301

Claims by year of loss

1978: 3819781979: 3011980: 11981: 51982: 2519821983: 41984: 11985: 01986: 019861987: 11988: 11989: 841990: 019901991: 11992: 21993: 71994: 219941995: 11996: 251997: 2,2931998: 119981999: 92000: 142001: 662002: 920022003: 02004: 32005: 22006: 1320062007: 22008: 12009: 492010: 1320102011: 272012: 02013: 52014: 020142015: 12016: 62017: 02018: 320182019: 712020: 192021: 12022: 720222,293

NFIP claims by year of loss, Grand Forks County, North Dakota

1978: $107,01219781979: $2.0 million1980: $01981: $3901982: $11,50219821983: $23,6281984: $2291985: $01986: $019861987: $5,2531988: $01989: $80,6581990: $019901991: $5001992: $1,8651993: $01994: $019941995: $01996: $135,4321997: $70.7 million1998: $019981999: $18,6302000: $202,6842001: $237,3152002: $76,53820022003: $02004: $58,7592005: $4892006: $145,49420062007: $5,8872008: $02009: $967,8202010: $42,63620102011: $191,1032012: $02013: $2,0002014: $020142015: $02016: $58,5872017: $02018: $020182019: $278,9732020: $104,4292021: $02022: $28,3642022$70.7 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding2,284
Not a named storm291
Severe flooding20
Late spring storms6
Midwest Flooding6
Winter storm5

ZIP codes with the most claims

ZIP code (as reported)Claims
582012,185
58203640
58256165
5820616
5820216
5822814
5827813
582359
582588
582147

1,472 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $66.5 million, contents $9.0 million, increased cost of compliance $9,785.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone3147323.2%
All homes18,7063011.6%

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.