Flood insurance claims in Stutsman County, North Dakota

FEMA records 127 National Flood Insurance Program claims in Stutsman County, North Dakota, since 1979, with $757,665 paid in total. The year with the most claims was 2009, with 43. As of 3 August 2026, 0.8% of homes here had an NFIP policy, and 60.0% of homes in the high-risk flood zone did.

NFIP claims on record127

Total paid$757,665

Claims with a payment96

Homes with NFIP policy0.8%

High-risk zone homes insured60.0%

Residential policies in force66

Claims by year of loss

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

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	27
Late spring storms	9
Winter storm	1
Midwest Flooding	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
58401	105
58454	8
58402	4
58496	2
58442	1
58467	1
58472	1
58424	1
58476	1

18 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $740,130, contents $17,535, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	55	33	60.0%
All homes	7,900	66	0.8%

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.