Flood history / North Dakota
North Dakota
flood claim history.
Across the 25 North Dakota ZIP codes with at least 100 paid claims on file, the National Flood Insurance Program has paid $234.0M on 11,188 claims between 1978 and 2025. ZIP 58201 in Grand Forks County carries the most at 2,189, 19.6% of the state total shown here.
The events driving the most paid claims across these ZIPs are Late spring storms (1,236 claims), Not a named storm (1,153 claims) and Midwest Flooding (169 claims).
51.7% 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 North Dakota ZIP code on file
| ZIP | County | Paid claims | Total paid | Heaviest year |
|---|---|---|---|---|
| 58201 | Grand Forks County | 2,189 | $54.9M | 1997 1,743 |
| 58104 | Cass County | 1,048 | $12.2M | 1997 412 |
| 58301 | Ramsey County | 870 | $33.7M | 1997 224 |
| 58102 | Cass County | 686 | $2.7M | 1997 276 |
| 58203 | Grand Forks County | 640 | $15.9M | 1997 470 |
| 58701 | Ward County | 553 | $37.3M | 2011 301 |
| 58504 | Burleigh County | 483 | $8.1M | 2011 393 |
| 58078 | Cass County | 440 | $879K | 1997 76 |
| 58237 | Walsh County | 387 | $1.2M | 1979 217 |
| 58072 | Barnes County | 375 | $2.5M | 1993 83 |
| 58703 | Ward County | 363 | $27.9M | 2011 270 |
| 58042 | Cass County | 345 | $939K | 1997 136 |
| 58261 | Walsh County | 339 | $1.5M | 1997 120 |
| 58047 | Cass County | 293 | $2.6M | 2009 93 |
| 58225 | Pembina County | 287 | $2.1M | 1979 122 |
| 58103 | Cass County | 274 | $3.1M | 1997 128 |
| 58271 | Pembina County | 254 | $1.6M | 1997 157 |
| 58351 | Benson County | 226 | $7.1M | 2011 38 |
| 58325 | Ramsey County | 220 | $3.5M | 2011 75 |
| 58554 | Morton County | 198 | $2.8M | 2011 88 |
| 58503 | Burleigh County | 170 | $6.9M | 2011 158 |
| 58256 | Grand Forks County | 166 | $1.6M | 1979 35 |
| 58075 | Richland County | 159 | $1.7M | 1997 109 |
| 58054 | Ransom County | 118 | $589K | 1979 37 |
| 58401 | Stutsman County | 105 | $584K | 2009 42 |
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.