Flood insurance cost · Washington County, MN

Flood insurance cost in Washington County, Minnesota

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 240 home policies in force on August 31, 2026.

Washington County, MinnesotaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$888a year

Half of insured homes paid between $620 and $1,322. That is 22% less than the Minnesota median ($1,133). The most common flood zone for insured homes here is zone X (49%).

$0$620 · $888 · $1,322$1,652

−1.1% vs Aug 31, 2025 (median $898)

240home policies in force

$1,093average cost (mean)

51%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.

Cost by flood zone in Washington County

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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$1,064	$759–$1,611	$1,359	108 (45%)	+0.2%
Zone A High risk	$992	$728–$1,402	$1,067	15 (6%)	±0.0%
Zone X Moderate to low risk	$701	$543–$1,182	$851	117 (49%)	−1.7%

Not shown (fewer than 10 home policies): VE, AO, AH, 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 Washington County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	219	$949	$1,142
Condo or apartment unit	16	$478	$478
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	45	$3,404	$4,265

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, whole residential building (5+ units or condo association).

293NFIP policies in force, any building

326insured units (condo association policies count every unit)

83%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: Washington County

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, 2025	Aug 31, 2026	Change
Home policies in force	254	240	−5.5%
Median annual cost	$898	$888	−1.1%
Average annual cost	$1,022	$1,093	+6.9%
All policies in force (any building)	307	293	−4.6%

How many homes have flood insurance?

0.3%of all homes in Washington County have an NFIP policy

22.4%of homes in high-risk zones (special flood hazard area) have one

90,207residential buildings counted by FEMA

580of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Washington County, Minnesota have filed 533 flood claims. 418 received a payment, for a total of $5,379,246 (an average of $12,869 per paid claim). The year with the most claims was 2001 (142 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (12)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2023	13	<10	–	–
2019	27	19	$379,766	$19,988
2014	29	23	$164,757	$7,163
2011	41	29	$217,886	$7,513
2001	142	119	$2,343,757	$19,695
1997	101	86	$956,957	$11,127
1993	32	24	$147,932	$6,164
1986	26	24	$224,485	$9,354
1985	12	<10	–	–
1981	11	10	$101,527	$10,153
1980	10	<10	–	–
1979	18	18	$116,069	$6,448

From 2016 to 2026: 40 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.

Main NFIP communities in the county

Bayport (39 home policies) · Woodbury (37 home policies) · Lake St. Croix Beach (29 home policies) · St. Marys Point (19 home policies) · Unincorporated Washington County (16 home policies) · Oakdale (15 home policies)