Flood insurance claims in Minnesota by county
FEMA records 12,290 NFIP claims in Minnesota's counties, with $155.4 million paid. As of 3 August 2026, 5,166 NFIP residential policies were in force, equal to 0.2% of the state's residential structures.
| Polk County | 1,455 | $36.3 million | 0.5% |
| Marshall County | 1,405 | $6.8 million | 0.5% |
| Clay County | 1,358 | $13.8 million | 0.7% |
| Mower County | 733 | $11.2 million | 0.4% |
| Olmsted County | 719 | $5.3 million | 0.3% |
| Hennepin County | 682 | $4.6 million | 0.2% |
| Washington County | 533 | $5.4 million | 0.3% |
| Wilkin County | 495 | $7.4 million | 0.9% |
| Roseau County | 279 | $3.4 million | 0.4% |
| Kittson County | 247 | $1.8 million | 0.7% |
| Norman County | 247 | $2.5 million | 1.4% |
| Wright County | 223 | $2.0 million | 0.2% |
| Goodhue County | 209 | $2.7 million | 0.4% |
| St. Louis County | 183 | $1.8 million | 0.3% |
| Dakota County | 181 | $3.9 million | 0.1% |
| Chippewa County | 172 | $2.5 million | 0.1% |
| Wabasha County | 162 | $3.4 million | 0.5% |
| Traverse County | 146 | $1.1 million | 1.0% |
| Yellow Medicine County | 146 | $1.9 million | 0.2% |
| Ramsey County | 145 | $1.3 million | 0.1% |
| Scott County | 117 | $1.1 million | 0.2% |
| Winona County | 115 | $3.9 million | 0.5% |
| Stearns County | 112 | $1.1 million | 0.2% |
| Otter Tail County | 109 | $1.4 million | 0.0% |
| Fillmore County | 99 | $753,114 | 0.5% |
| Anoka County | 96 | $451,139 | 0.2% |
| Aitkin County | 95 | $754,787 | 0.5% |
| Becker County | 92 | $1.1 million | 0.0% |
| Big Stone County | 92 | $834,294 | 1.0% |
| Blue Earth County | 92 | $1.3 million | 0.2% |
| Steele County | 90 | $2.0 million | 0.4% |
| Le Sueur County | 87 | $2.7 million | 0.7% |
| Nobles County | 83 | $209,428 | 0.2% |
| Houston County | 78 | $1.1 million | 0.3% |
| Rice County | 78 | $3.6 million | 0.3% |
| Carver County | 70 | $214,860 | 0.2% |
| Lyon County | 63 | $163,451 | 0.3% |
| Pine County | 60 | $1.4 million | 0.5% |
| Nicollet County | 59 | $552,979 | 0.2% |
| Sherburne County | 59 | $478,317 | 0.3% |
| Morrison County | 50 | $613,364 | 0.2% |
| Benton County | 46 | $179,971 | 0.5% |
| Freeborn County | 45 | $901,735 | 0.1% |
| Lac qui Parle County | 45 | $224,358 | 0.1% |
| Cottonwood County | 43 | $469,632 | 0.8% |
| Chisago County | 37 | $421,727 | 0.1% |
| Brown County | 35 | $493,376 | 0.2% |
| Dodge County | 32 | $476,485 | 0.3% |
| Rock County | 29 | $162,111 | 0.3% |
| Hubbard County | 28 | $291,698 | 0.0% |
| Isanti County | 26 | $226,363 | 0.3% |
| Pennington County | 25 | $57,776 | 0.1% |
| Mille Lacs County | 24 | $118,930 | 0.4% |
| Kanabec County | 21 | $172,998 | 0.1% |
| Jackson County | 20 | $366,147 | 0.3% |
| Carlton County | 19 | $627,171 | 0.2% |
| McLeod County | 19 | $102,507 | 0.2% |
| Koochiching County | 17 | $322,358 | 0.3% |
| Pipestone County | 17 | $357,394 | 0.1% |
| Douglas County | 16 | $281,302 | 0.0% |
| Watonwan County | 16 | $1.1 million | 0.0% |
| Clearwater County | 15 | $234,519 | 0.0% |
| Cook County | 15 | $64,492 | 0.2% |
| Murray County | 15 | $165,715 | 0.3% |
| Crow Wing County | 13 | $71,715 | 0.2% |
| Todd County | 13 | $126,636 | 0.3% |
| Cass County | 12 | $65,401 | 0.0% |
| Faribault County | 12 | $70,446 | 0.1% |
| Itasca County | 12 | $121,907 | 0.1% |
| Sibley County | 12 | $66,215 | 0.0% |
| Swift County | 12 | $143,998 | 0.1% |
| Mahnomen County | 10 | $149,607 | 0.1% |
| Lake County | 9 | $938,269 | 0.1% |
| Waseca County | 9 | $111,206 | 0.1% |
| Kandiyohi County | 8 | $132,326 | 0.1% |
| Pope County | 7 | $38,098 | 0.1% |
| Wadena County | 7 | $32,464 | 0.2% |
| Meeker County | 6 | $141,584 | 0.3% |
| Renville County | 6 | $69,690 | 0.0% |
| Lake of the Woods County | 5 | $128,619 | 0.6% |
| Beltrami County | 3 | $11,207 | 0.0% |
| Grant County | 3 | $62,420 | 0.0% |
| Lincoln County | 3 | $7,496 | 0.0% |
| Redwood County | 3 | $143,452 | 0.1% |
| Red Lake County | 2 | $8,241 | 0.0% |
| Stevens County | 2 | $7,926 | 0.1% |
| Martin County | 0 | $0 | 0.0% |
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
- FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
- 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.