Flood history / Minnesota
Minnesota
flood claim history.
Across the 19 Minnesota ZIP codes with at least 100 paid claims on file, the National Flood Insurance Program has paid $90.2M on 6,920 claims between 1978 and 2026. ZIP 56721 in Polk County carries the most at 1,226, 17.7% of the state total shown here.
The events driving the most paid claims across these ZIPs are Not a named storm (682 claims), Torrential rain (253 claims) and Severe flooding (227 claims).
34.4% of the claims here that record a rated flood zone were on properties outside the mapped high-risk area — the zone where flood insurance is optional and most owners go without it.
Claim volume tracks how many properties carried flood insurance as much as how often the water came up. A ZIP with a long insured history will out-file a comparable one where few owners were covered, so read each ZIP's own record rather than ranking them against each other.
Every Minnesota ZIP code on file
| ZIP | County | Paid claims | Total paid | Heaviest year |
|---|---|---|---|---|
| 56721 | Polk County | 1,226 | $33.6M | 1997 927 |
| 56560 | Clay County | 1,155 | $12.3M | 1997 392 |
| 55912 | Mower County | 710 | $10.9M | 1978 166 |
| 56762 | Marshall County | 673 | $2.7M | 1997 296 |
| 56744 | Marshall County | 478 | $2.2M | 1979 239 |
| 56520 | Wilkin County | 472 | $7.3M | 1997 392 |
| 55904 | Olmsted County | 362 | $2.7M | 1978 240 |
| 56751 | Roseau County | 271 | $3.3M | 2002 261 |
| 56757 | Marshall County | 181 | $1.6M | 1979 77 |
| 55043 | Washington County | 165 | $1.3M | 2001 45 |
| 55003 | Washington County | 161 | $2.1M | 2001 60 |
| 56241 | Yellow Medicine County | 160 | $2.1M | 1997 74 |
| 55901 | Olmsted County | 156 | $822K | 1978 88 |
| 56265 | Chippewa County | 155 | $2.3M | 1997 67 |
| 56728 | Kittson County | 150 | $893K | 1979 63 |
| 55313 | Wright County | 132 | $1.6M | 1986 39 |
| 55902 | Olmsted County | 106 | $845K | 1978 85 |
| 56546 | Clay County | 105 | $696K | 1997 30 |
| 56548 | Norman County | 102 | $975K | 1997 29 |
Only ZIP codes with at least 100 paid claims on file appear here. A ZIP missing from this table has a shorter record, not a clean one.