Flood insurance claims in Mercer County, North Dakota

FEMA records 81 National Flood Insurance Program claims in Mercer County, North Dakota, since 1978, with $715,997 paid in total. The year with the most claims was 2009, with 39. As of 3 August 2026, 1.7% of homes here had an NFIP policy, and 17.1% of homes in the high-risk flood zone did.

NFIP claims on record81

Total paid$715,997

Claims with a payment62

Homes with NFIP policy1.7%

High-risk zone homes insured17.1%

Residential policies in force65

Claims by year of loss

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

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

Named flood events with the most claims

Event (FEMA name)	Claims
Winter storm	36

ZIP codes with the most claims

ZIP code (as reported)	Claims
58523	72
58545	5
58580	3
58532	1

69 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $653,815, contents $6,607, increased cost of compliance $55,575.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	346	59	17.1%
All homes	3,787	65	1.7%

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.