Flood Claims Map

North Dakota

Flood insurance claims in Richland County, North Dakota

FEMA records 223 National Flood Insurance Program claims in Richland County, North Dakota, since 1979, with $2.3 million paid in total. The year with the most claims was 1997, with 124. As of 3 August 2026, 0.7% of homes here had an NFIP policy, and 10.6% of homes in the high-risk flood zone did.

NFIP claims on record223
Total paid$2.3 million
Claims with a payment199
Homes with NFIP policy0.7%
High-risk zone homes insured10.6%
Residential policies in force52

Claims by year of loss

1979: 419791980: 01981: 11982: 01983: 019831984: 11985: 01986: 01987: 019871988: 01989: 11990: 01991: 019911992: 01993: 01994: 01995: 019951996: 01997: 1241998: 31999: 119992000: 02001: 102002: 02003: 020032004: 02005: 02006: 12007: 020072008: 02009: 462010: 112011: 1520112012: 02013: 12014: 12015: 020152016: 12017: 02018: 02019: 120192020: 02021: 02022: 1124

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

1979: $12,26319791980: $01981: $4,9631982: $01983: $019831984: $01985: $01986: $01987: $019871988: $01989: $99,2381990: $01991: $019911992: $01993: $01994: $01995: $019951996: $01997: $1.5 million1998: $2,6691999: $019992000: $02001: $7,9562002: $02003: $020032004: $02005: $02006: $11,3662007: $020072008: $02009: $493,6632010: $23,3632011: $121,95420112012: $02013: $4,1332014: $27,5052015: $020152016: $3,4432017: $02018: $02019: $4,87820192020: $02021: $02022: $6,282$1.5 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding122
Winter storm16
Severe flooding8
Not a named storm4
Late spring storms1

ZIP codes with the most claims

ZIP code (as reported)Claims
58075159
5805118
5801514
580778
580417
580305
580475
580012
580181
580611

53 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.1 million, contents $170,298, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2923110.6%
All homes7,125520.7%

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

  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.