Flood Claims Map

North Dakota

Flood insurance claims in Ramsey County, North Dakota

FEMA records 1,103 National Flood Insurance Program claims in Ramsey County, North Dakota, since 1979, with $37.6 million paid in total. The year with the most claims was 1997, with 228. As of 3 August 2026, 0.5% of homes here had an NFIP policy.

NFIP claims on record1,103
Total paid$37.6 million
Claims with a payment642
Homes with NFIP policy0.5%
High-risk zone homes insuredn/a
Residential policies in force25

Claims by year of loss

1979: 219791980: 01981: 01982: 019821983: 01984: 01985: 019851986: 01987: 01988: 019881989: 01990: 01991: 019911992: 01993: 01994: 019941995: 431996: 1281997: 22819971998: 851999: 1202000: 5620002001: 1052002: 92003: 320032004: 222005: 02006: 220062007: 02008: 02009: 6220092010: 532011: 1672012: 620122013: 12228

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

1979: $5,56219791980: $01981: $01982: $019821983: $01984: $01985: $019851986: $01987: $01988: $019881989: $01990: $01991: $019911992: $01993: $01994: $019941995: $781,9021996: $6.0 million1997: $9.2 million19971998: $3.7 million1999: $2.3 million2000: $1.2 million20002001: $1.6 million2002: $171,8412003: $81,20020032004: $343,8652005: $02006: $3,14720062007: $02008: $02009: $3.2 million20092010: $2.0 million2011: $6.6 million2012: $317,16620122013: $100,508$9.2 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding125
Late spring storms71
Severe flooding45
Not a named storm1

ZIP codes with the most claims

ZIP code (as reported)Claims
58301868
58325193
5832710
5836210
583247
583516
583825
583302
582601

80 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $37.4 million, contents $120,525, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone00n/a
All homes4,840250.5%

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.