Flood insurance claims in Traill County, North Dakota

FEMA records 128 National Flood Insurance Program claims in Traill County, North Dakota, since 1978, with $1.5 million paid in total. The year with the most claims was 1997, with 47. As of 3 August 2026, 0.8% of homes here had an NFIP policy, and 21.4% of homes in the high-risk flood zone did.

NFIP claims on record128

Total paid$1.5 million

Claims with a payment115

Homes with NFIP policy0.8%

High-risk zone homes insured21.4%

Residential policies in force26

Claims by year of loss

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

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	45
Not a named storm	15
Midwest Flooding	10
Winter storm	2
Late spring storms	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
58045	64
58257	39
58274	9
58223	5
58218	4
58038	2
58275	2
58219	2

86 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.3 million, contents $154,552, increased cost of compliance $20,518.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	98	21	21.4%
All homes	3,227	26	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.