Flood insurance claims in Morton County, North Dakota

FEMA records 216 National Flood Insurance Program claims in Morton County, North Dakota, since 1978, with $2.8 million paid in total. The year with the most claims was 2011, with 88. As of 3 August 2026, 1.3% of homes here had an NFIP policy, and 8.2% of homes in the high-risk flood zone did.

NFIP claims on record216

Total paid$2.8 million

Claims with a payment164

Homes with NFIP policy1.3%

High-risk zone homes insured8.2%

Residential policies in force144

Claims by year of loss

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

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

Named flood events with the most claims

Event (FEMA name)	Claims
Late spring storms	78
Winter storm	7
Midwest Flooding	4
Not a named storm	3
Flooding	2

ZIP codes with the most claims

ZIP code (as reported)	Claims
58554	198
58535	4
58638	2
58631	2
58563	1
58501	1

42 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.6 million, contents $240,222, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	784	64	8.2%
All homes	11,319	144	1.3%

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.