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Flood insurance cost · MN

Flood insurance cost in Minnesota

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 4,911 home policies in force on August 31, 2026.

MinnesotaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,133a year

Half of insured homes paid between $746 and $1,462. That is 5% more than the national median ($1,082). The most common flood zone for insured homes here is zone X (47%).

$0$746 · $1,133 · $1,462$1,828
+9.9% vs Aug 31, 2025 (median $1,031)
4,911home policies in force
$1,278average cost (mean)
53%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Disaster declarations: see FEMA declarations and IRS tax relief in Minnesota, county by county.

Cost by flood zone in Minnesota

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$1,366$913–$1,955$1,6051,795 (37%)+7.7%
Zone A
High risk		$1,218$863–$1,626$1,387779 (16%)+7.2%
Zone AH
High risk, shallow		$1,451$1,017–$1,528$1,50113 (0%)+40.3%
Zone X
Moderate to low risk		$966$611–$1,267$9842,313 (47%)+5.3%

Not shown (fewer than 10 home policies): VE, AO, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Minnesota, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home4,596$1,162$1,303
2–4 unit building58$1,228$1,414
Manufactured (mobile) home104$964$1,099
Condo or apartment unit153$497$583
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		121$1,829$2,740
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		732$1,955$2,851
5,764NFIP policies in force, any building
6,127insured units (condo association policies count every unit)
70%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Minnesota

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force5,3244,911−7.8%
Median annual cost$1,031$1,133+9.9%
Average annual cost$1,182$1,278+8.1%
All policies in force (any building)6,3025,764−8.5%

Flood claims history

Since 1978, NFIP policyholders in Minnesota have filed 12,474 flood claims. 10,102 received a payment, for a total of $157.3 million (an average of $15,572 per paid claim). The year with the most claims was 1997 (3,266 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1978: 1,052 claims, 955 paid, $6,688,013 in total19781979: 1,019 claims, 894 paid, $4,081,280 in total19791980: 81 claims, 39 paid, $173,774 in total19801981: 78 claims, 48 paid, $317,957 in total1982: 52 claims, 30 paid, $88,076 in total1983: 202 claims, 153 paid, $1,103,882 in total1984: 141 claims, 83 paid, $1,297,876 in total1985: 76 claims, 39 paid, $576,713 in total1986: 338 claims, 187 paid, $1,168,108 in total1987: 138 claims, 108 paid, $1,332,968 in total1989: 161 claims, 125 paid, $527,567 in total1990: 46 claims, 25 paid, $137,146 in total19901991: 36 claims, 17 paid, $113,087 in total1992: 23 claims, 14 paid, $62,937 in total1993: 394 claims, 271 paid, $1,873,588 in total1994: 23 claims, 12 paid, $60,170 in total1995: 18 claims1996: 347 claims, 295 paid, $1,470,816 in total1997: 3,266 claims, 2,987 paid, $60,579,443 in total19971998: 130 claims, 99 paid, $1,719,740 in total1999: 151 claims, 88 paid, $1,624,315 in total2000: 223 claims, 185 paid, $2,317,631 in total20002001: 832 claims, 639 paid, $8,046,052 in total2002: 353 claims, 259 paid, $4,102,404 in total2003: 41 claims, 28 paid, $463,189 in total2004: 136 claims, 125 paid, $6,029,743 in total2005: 35 claims, 22 paid, $144,680 in total2006: 68 claims, 60 paid, $906,962 in total2007: 139 claims, 118 paid, $4,890,894 in total2008: 71 claims, 59 paid, $863,082 in total2009: 467 claims, 407 paid, $7,366,124 in total2010: 473 claims, 387 paid, $9,879,754 in total20102011: 444 claims, 344 paid, $2,898,738 in total2012: 166 claims, 130 paid, $3,372,682 in total2013: 94 claims, 68 paid, $549,246 in total2014: 291 claims, 204 paid, $2,943,786 in total2015: 23 claims2016: 122 claims, 83 paid, $2,732,064 in total2017: 13 claims2018: 63 claims, 42 paid, $590,985 in total2019: 273 claims, 197 paid, $4,912,710 in total2020: 50 claims, 25 paid, $493,749 in total20202022: 62 claims, 43 paid, $986,417 in total2023: 92 claims, 62 paid, $1,753,056 in total2024: 137 claims, 118 paid, $5,745,812 in total2025: 18 claims
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (46)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202518<10––
2024137118$5,745,812$48,693
20239262$1,753,056$28,275
20226243$986,417$22,940
20205025$493,749$19,750
2019273197$4,912,710$24,938
20186342$590,985$14,071
201713<10––
201612283$2,732,064$32,916
201523<10––
2014291204$2,943,786$14,430
20139468$549,246$8,077
2012166130$3,372,682$25,944
2011444344$2,898,738$8,427
2010473387$9,879,754$25,529
2009467407$7,366,124$18,099
20087159$863,082$14,629
2007139118$4,890,894$41,448
20066860$906,962$15,116
20053522$144,680$6,576
2004136125$6,029,743$48,238
20034128$463,189$16,542
2002353259$4,102,404$15,839
2001832639$8,046,052$12,592
2000223185$2,317,631$12,528
199915188$1,624,315$18,458
199813099$1,719,740$17,371
19973,2662,987$60,579,443$20,281
1996347295$1,470,816$4,986
199518<10––
19942312$60,170$5,014
1993394271$1,873,588$6,914
19922314$62,937$4,496
19913617$113,087$6,652
19904625$137,146$5,486
1989161125$527,567$4,221
1987138108$1,332,968$12,342
1986338187$1,168,108$6,247
19857639$576,713$14,788
198414183$1,297,876$15,637
1983202153$1,103,882$7,215
19825230$88,076$2,936
19817848$317,957$6,624
19808139$173,774$4,456
19791,019894$4,081,280$4,565
19781,052955$6,688,013$7,003

From 2016 to 2026: 830 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Counties in Minnesota

Counties with at least 100 NFIP home policies in force have their own page.

Other counties (fewer policies, no separate page)
CountyHome policiesMedian
Aitkin County97$1,364
Benton County73$1,572
Big Stone County30$1,153
Blue Earth County46$1,095
Brown County28$1,236
Carlton County28$1,130
Carver County85$719
Chisago County37$958
Cook County11$1,197
Cottonwood County31$1,771
Crow Wing County90$1,228
Dodge County28$1,404
Douglas County10$1,080
Fillmore County76$1,354
Freeborn County12$1,048
Goodhue County73$1,269
Houston County37$1,250
Isanti County62$1,106
Itasca County18$1,303
Kandiyohi County16$1,134
Kittson County18$669
Koochiching County21$1,258
Lake of the Woods County23$1,315
Le Sueur County58$1,300
Lyon County28$1,368
Marshall County22$1,208
McLeod County32$1,222
Meeker County27$1,261
Mille Lacs County57$1,372
Morrison County47$1,086
Mower County76$1,323
Murray County24$1,448
Nicollet County26$1,356
Nobles County17$784
Norman County43$748
Rice County60$1,424
Rock County12$805
Roseau County43$887
Steele County64$1,408
Todd County32$1,030
Traverse County23$955
Wabasha County62$1,223
Wadena County12$1,554
Waseca County10$754
Wilkin County34$890
Yellow Medicine County11$1,189