Flood Claims Map

North Dakota

Flood insurance claims in Ward County, North Dakota

FEMA records 1,107 National Flood Insurance Program claims in Ward County, North Dakota, since 1978, with $69.5 million paid in total. The year with the most claims was 2011, with 640. As of 3 August 2026, 4.5% of homes here had an NFIP policy.

NFIP claims on record1,107
Total paid$69.5 million
Claims with a payment892
Homes with NFIP policy4.5%
High-risk zone homes insuredn/a
Residential policies in force1,030

Claims by year of loss

1978: 319781979: 2101980: 21981: 141982: 1719821983: 81984: 11985: 01986: 119861987: 441988: 01989: 51990: 119901991: 01992: 11993: 01994: 119941995: 11996: 41997: 301998: 119981999: 32000: 02001: 02002: 020022003: 02004: 12005: 12006: 020062007: 02008: 02009: 292010: 1520102011: 6402012: 222013: 232014: 1120142015: 52016: 02017: 02018: 120182019: 12020: 22021: 32022: 120222023: 42024: 1640

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

1978: $3,38219781979: $726,0211980: $01981: $3,1611982: $7,15519821983: $6,6801984: $01985: $01986: $2,29419861987: $57,8231988: $01989: $19,3191990: $019901991: $01992: $01993: $01994: $019941995: $01996: $15,5871997: $235,4311998: $8,37819981999: $02000: $02001: $02002: $020022003: $02004: $1,2522005: $1,9102006: $020062007: $02008: $02009: $162,5272010: $182,08520102011: $66.9 million2012: $493,6712013: $289,2082014: $293,12820142015: $12,6592016: $02017: $02018: $020182019: $02020: $31,1662021: $9,7942022: $2,13320222023: $55,6152024: $2,252$66.9 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Late spring storms614
Not a named storm106
Flooding29
Winter storm4

ZIP codes with the most claims

ZIP code (as reported)Claims
58701550
58703363
5872277
5826138
5873536
5878119
587026
587465
587184
587253

408 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $61.9 million, contents $7.6 million, increased cost of compliance $30,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone064n/a
All homes23,0801,0304.5%

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.