Flood Claims Map

North Dakota

Flood insurance claims in Pembina County, North Dakota

FEMA records 610 National Flood Insurance Program claims in Pembina County, North Dakota, since 1978, with $3.7 million paid in total. The year with the most claims was 1997, with 313. As of 3 August 2026, 2.3% of homes here had an NFIP policy, and 12.6% of homes in the high-risk flood zone did.

NFIP claims on record610
Total paid$3.7 million
Claims with a payment522
Homes with NFIP policy2.3%
High-risk zone homes insured12.6%
Residential policies in force75

Claims by year of loss

1978: 2019781979: 1861980: 11981: 01982: 119821983: 01984: 01985: 01986: 019861987: 01988: 01989: 11990: 019901991: 01992: 01993: 11994: 019941995: 01996: 191997: 3131998: 119981999: 22000: 02001: 12002: 120022003: 02004: 12005: 22006: 320062007: 02008: 02009: 152010: 2820102011: 52012: 02013: 42014: 120142015: 02016: 02017: 02018: 020182019: 22020: 02021: 02022: 22022313

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

1978: $19,43519781979: $954,2161980: $01981: $01982: $019821983: $01984: $01985: $01986: $019861987: $01988: $01989: $5001990: $019901991: $01992: $01993: $2041994: $019941995: $01996: $61,3331997: $2.3 million1998: $019981999: $43,0692000: $02001: $5982002: $020022003: $02004: $1,1032005: $1,2262006: $1,89320062007: $02008: $02009: $153,1132010: $173,95920102011: $7,3442012: $02013: $15,5132014: $12,45120142015: $02016: $02017: $02018: $020182019: $2,0002020: $02021: $02022: $17,5512022$2.3 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding308
Not a named storm178
Late spring storms5
Midwest Flooding1
Severe flooding1

ZIP codes with the most claims

ZIP code (as reported)Claims
58225256
58271254
5822026
5822216
5826516
582389
582167
582825
582765
582273

167 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.9 million, contents $867,194, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone4385512.6%
All homes3,249752.3%

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

  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.