Flood insurance claims in North Dakota by county
FEMA records 13,067 NFIP claims in North Dakota's counties, with $258.0 million paid. As of 3 August 2026, 4,925 NFIP residential policies were in force, equal to 1.8% of the state's residential structures.
| Cass County | 3,345 | $24.8 million | 4.5% |
| Grand Forks County | 3,114 | $75.5 million | 1.6% |
| Ward County | 1,107 | $69.5 million | 4.5% |
| Ramsey County | 1,103 | $37.6 million | 0.5% |
| Walsh County | 782 | $3.1 million | 1.0% |
| Burleigh County | 698 | $15.3 million | 1.7% |
| Pembina County | 610 | $3.7 million | 2.3% |
| Benson County | 420 | $11.2 million | 0.4% |
| Barnes County | 389 | $2.7 million | 2.2% |
| Richland County | 223 | $2.3 million | 0.7% |
| Morton County | 216 | $2.8 million | 1.3% |
| Ransom County | 148 | $730,695 | 1.2% |
| Traill County | 128 | $1.5 million | 0.8% |
| Stutsman County | 127 | $757,665 | 0.8% |
| Hettinger County | 89 | $237,952 | 0.2% |
| Emmons County | 82 | $1.1 million | 0.5% |
| Mercer County | 81 | $715,997 | 1.7% |
| McHenry County | 61 | $647,366 | 0.8% |
| Nelson County | 52 | $1.0 million | 0.0% |
| Renville County | 33 | $123,517 | 0.4% |
| Stark County | 30 | $91,846 | 0.7% |
| Towner County | 26 | $374,072 | 0.0% |
| Eddy County | 23 | $206,482 | 0.3% |
| Williams County | 19 | $247,997 | 0.3% |
| LaMoure County | 14 | $101,670 | 0.7% |
| Billings County | 13 | $99,601 | 0.2% |
| Cavalier County | 13 | $255,841 | 0.0% |
| Grant County | 13 | $50,957 | 0.2% |
| Foster County | 11 | $98,119 | 0.1% |
| Bowman County | 10 | $11,760 | 0.2% |
| McLean County | 10 | $76,662 | 0.0% |
| Pierce County | 10 | $55,786 | 0.0% |
| Oliver County | 8 | $67,712 | 0.6% |
| Steele County | 8 | $134,976 | 0.1% |
| Sargent County | 7 | $89,159 | 0.1% |
| Dickey County | 6 | $20,331 | 0.0% |
| Griggs County | 5 | $23,044 | 0.1% |
| Sheridan County | 5 | $139,900 | 0.0% |
| Mountrail County | 4 | $2,914 | 0.0% |
| Rolette County | 4 | $58,524 | 0.0% |
| Bottineau County | 3 | $1,800 | 0.2% |
| Burke County | 3 | $4,585 | 0.1% |
| Logan County | 3 | $262,577 | 0.1% |
| Golden Valley County | 2 | $0 | 0.0% |
| McIntosh County | 2 | $7,285 | 0.1% |
| McKenzie County | 2 | $0 | 0.3% |
| Sioux County | 2 | $374 | 0.3% |
| Wells County | 2 | $80,850 | 0.0% |
| Adams County | 1 | $12,872 | 0.0% |
| Divide County | 0 | $0 | 0.0% |
| Dunn County | 0 | $0 | 0.6% |
| Kidder County | 0 | $0 | 0.0% |
| Slope County | 0 | $0 | 0.2% |
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.