North Dakota flood insurance and flood history
From FEMA's flood insurance and disaster data · Updated 2026-10-08
FEMA's National Flood Insurance Program (NFIP) data lists 13,307 flood insurance claims in North Dakota since 1978. The NFIP paid $259.5 million on them (building, contents and Increased Cost of Compliance payments, in the dollars of the year paid).
The year with the most claims was 1997, with 4,701, mostly from Flooding.
In the last ten years (2017–2026) there were 226 claims, and the average paid claim was $7,447.
50% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).
About 1.8% of homes in North Dakota had an NFIP flood policy in FEMA's latest count (4,925 of 276,636 residential buildings). In the high-risk flood zones (Special Flood Hazard Areas), it was 28% (2,445 of 8,620).
Since 2000, FEMA has made 25 flood-related disaster declarations covering parts of North Dakota. The most recent was DR-4717-ND (Flooding), declared July 5, 2023.
Flood insurance claims in North Dakota by year
Show as a table
| Year | Claims | Paid |
|---|---|---|
| 2025 | 6 | $11,406 |
| 2024 | 4 | $2,252 |
| 2023 | 13 | $231,529 |
| 2022 | 31 | $197,922 |
| 2021 | 4 | $9,794 |
| 2020 | 34 | $241,577 |
| 2019 | 121 | $499,100 |
| 2018 | 9 | $1,612 |
| 2017 | 4 | $18,610 |
| 2016 | 7 | $62,030 |
| 2015 | 10 | $12,659 |
| 2014 | 44 | $1.0 million |
| 2013 | 167 | $1.1 million |
| 2012 | 56 | $1.2 million |
| 2011 | 1,918 | $96.6 million |
| 2010 | 382 | $4.6 million |
| 2009 | 1,303 | $21.2 million |
| 2008 | 3 | $14,850 |
| 2007 | 7 | $35,053 |
| 2006 | 89 | $822,759 |
| 2005 | 22 | $218,807 |
| 2004 | 84 | $1.4 million |
| 2003 | 8 | $123,130 |
| 2002 | 32 | $529,854 |
| 2001 | 352 | $2.9 million |
| 2000 | 131 | $2.4 million |
| 1999 | 226 | $3.2 million |
| 1998 | 161 | $4.9 million |
| 1997 | 4,701 | $97.4 million |
| 1996 | 314 | $7.8 million |
| 1995 | 89 | $1.0 million |
| 1994 | 10 | $6,566 |
| 1993 | 210 | $299,396 |
| 1992 | 3 | $1,865 |
| 1991 | 48 | $113,685 |
| 1990 | 4 | $0 |
| 1989 | 248 | $869,128 |
| 1988 | 2 | $0 |
| 1987 | 75 | $158,484 |
| 1986 | 9 | $27,043 |
| 1985 | 7 | $5,621 |
| 1984 | 13 | $8,214 |
| 1983 | 34 | $76,651 |
| 1982 | 111 | $111,131 |
| 1981 | 43 | $17,307 |
| 1980 | 21 | $38,450 |
| 1979 | 1,672 | $6.7 million |
| 1978 | 465 | $1.3 million |
Biggest flood events by NFIP payments
The flood events FEMA's claims data names most often for North Dakota, ranked by what the NFIP paid. FEMA names events in its claims records; claims without an event name aren't included here.
| Event | Year | Claims | Paid |
|---|---|---|---|
| Flooding | 1997 | 4,399 | $92.2 million |
| Late spring storms | 2011 | 1,248 | $79.5 million |
| Not a named storm | 1979 | 1,418 | $6.3 million |
| Winter storm | 2009 | 248 | $3.2 million |
| Severe flooding | 2001 | 196 | $1.3 million |
| Late spring storms | 2012 | 56 | $1.2 million |
| Late spring storms | 2013 | 108 | $695,195 |
| Midwest Flooding | 1993 | 200 | $289,232 |
What flood insurance costs in North Dakota
On June 30, 2026, 5,648 NFIP flood insurance policies were in force in North Dakota. For the 4,553 single-family homes among them, the typical (median) yearly cost was about $860; the average was $1,010.
| Rated flood zone | Policies | Typical yearly cost, single-family home | Average cost | Average building coverage |
|---|---|---|---|---|
| High-risk zones (A and V) | 2,806 | $890 | $1,110 | $214,000 |
| Moderate- and low-risk zones (B, C and X) | 2,839 | $840 | $910 | $233,000 |
Cost here is what FEMA's data lists as the policy cost: the premium plus the reserve fund assessment, federal policy fee and HFIAA surcharge. It covers single-family homes only (not condos, apartments or businesses), with costs rounded to the nearest $10 and shown only where at least 20 homes back the figure. Your own price depends on your building and the coverage you choose; see how flood insurance is priced. Private flood insurance isn't included.
Policies and average cost by exact flood zone
Flood history by county
Every North Dakota county in FEMA's data, sorted by number of NFIP claims since 1978. "Insured" is the share of homes with an NFIP policy; "typical NFIP cost" is the median yearly cost for single-family homes.
| County | Claims | Paid | Insured | Typical NFIP cost | Flood declarations |
|---|---|---|---|---|---|
| Cass County | 3,345 | $24.8 million | 4.5% | $740 | 13 |
| Grand Forks County | 3,114 | $75.5 million | 1.6% | $940 | 18 |
| Ward County | 1,107 | $69.5 million | 4.5% | $840 | 10 |
| Ramsey County | 1,103 | $37.6 million | 0.5% | $510 | 12 |
| Walsh County | 782 | $3.1 million | 1.0% | $810 | 20 |
| Burleigh County | 698 | $15.3 million | 1.7% | $1,340 | 6 |
| Pembina County | 610 | $3.7 million | 2.3% | $790 | 19 |
| Benson County | 420 | $11.2 million | 0.4% | n/a | 14 |
| Barnes County | 389 | $2.7 million | 2.2% | $1,590 | 13 |
| Richland County | 223 | $2.3 million | 0.7% | $710 | 16 |
| Morton County | 216 | $2.8 million | 1.3% | $1,360 | 8 |
| Ransom County | 148 | $730,695 | 1.2% | $1,360 | 14 |
| Traill County | 128 | $1.5 million | 0.8% | $1,240 | 17 |
| Stutsman County | 127 | $757,665 | 0.8% | $1,360 | 11 |
| Hettinger County | 89 | $237,952 | 0.2% | n/a | 4 |
| Emmons County | 82 | $1.1 million | 0.5% | n/a | 8 |
| Mercer County | 81 | $715,997 | 1.7% | $990 | 6 |
| McHenry County | 61 | $647,366 | 0.8% | $890 | 14 |
| Nelson County | 52 | $1.0 million | 0.0% | n/a | 15 |
| Renville County | 33 | $123,517 | 0.4% | n/a | 9 |
| Stark County | 30 | $91,846 | 0.7% | $710 | 3 |
| Towner County | 26 | $374,072 | 0.0% | n/a | 13 |
| Eddy County | 23 | $206,482 | 0.3% | n/a | 10 |
| Williams County | 19 | $247,997 | 0.3% | $960 | 4 |
| LaMoure County | 14 | $101,670 | 0.7% | n/a | 14 |
| Billings County | 13 | $99,601 | 0.2% | n/a | 3 |
| Cavalier County | 13 | $255,841 | 0.0% | n/a | 12 |
| Grant County | 13 | $50,957 | 0.2% | n/a | 7 |
| Foster County | 11 | $98,119 | 0.1% | n/a | 10 |
| Bowman County | 10 | $11,760 | 0.2% | n/a | 2 |
| McLean County | 10 | $76,662 | 0.0% | n/a | 7 |
| Pierce County | 10 | $55,786 | 0.0% | n/a | 9 |
| Oliver County | 8 | $67,712 | 0.6% | n/a | 4 |
| Steele County | 8 | $134,976 | 0.1% | n/a | 11 |
| Sargent County | 7 | $89,159 | 0.1% | n/a | 13 |
| Dickey County | 6 | $20,331 | 0.0% | n/a | 13 |
| Griggs County | 5 | $23,044 | 0.1% | n/a | 8 |
| Sheridan County | 5 | $139,900 | 0.0% | n/a | 7 |
| Mountrail County | 4 | $2,914 | 0.0% | n/a | 12 |
| Rolette County | 4 | $58,524 | 0.0% | n/a | 9 |
| Bottineau County | 3 | $1,800 | 0.2% | n/a | 12 |
| Burke County | 3 | $4,585 | 0.1% | n/a | 6 |
| Logan County | 3 | $262,577 | 0.1% | n/a | 10 |
| Golden Valley County | 2 | $0 | 0.0% | n/a | 3 |
| McIntosh County | 2 | $7,285 | 0.1% | n/a | 6 |
| McKenzie County | 2 | $0 | 0.3% | n/a | 7 |
| Sioux County | 2 | $374 | 0.3% | n/a | 5 |
| Wells County | 2 | $80,850 | 0.0% | n/a | 12 |
| Adams County | 1 | $12,872 | 0.0% | n/a | 4 |
| Divide County | 0 | $0 | 0.0% | n/a | 4 |
| Dunn County | 0 | $0 | 0.6% | n/a | 4 |
| Kidder County | 0 | $0 | 0.0% | n/a | 11 |
| Slope County | 0 | $0 | 0.2% | n/a | 0 |
Flood-related FEMA disaster declarations in North Dakota
Declarations since 2000 that FEMA lists as involving flooding. "Help for individuals" means FEMA's Individual Assistance was approved for at least part of the area.
| Declaration | Declared | Event | Help for individuals |
|---|---|---|---|
| DR-4717-ND | Jul 5, 2023 | Flooding | No |
| DR-4660-ND | Jul 13, 2022 | Severe Winter Storm and Flooding | No |
| DR-4613-ND | Sep 1, 2021 | Severe Storm, Straight-Line Winds, and Flooding | No |
| DR-4565-ND | Oct 2, 2020 | Severe Storms and Flooding | No |
| DR-4553-ND | Jul 9, 2020 | Flooding | No |
| DR-4475-ND | Jan 21, 2020 | Flooding | No |
| DR-4444-ND | Jun 12, 2019 | Flooding | No |
| DR-4323-ND | Jul 12, 2017 | Flooding | No |
| DR-4190-ND | Aug 19, 2014 | Severe Storms and Flooding | No |
| DR-4128-ND | Jul 12, 2013 | Severe Storms and Flooding | No |
| DR-4123-ND | Jun 25, 2013 | Severe Storms and Flooding | No |
| DR-4118-ND | May 29, 2013 | Flooding | No |
| EM-3364-ND | Apr 26, 2013 | Flooding | No |
| DR-1981-ND | May 10, 2011 | Flooding | Yes |
| EM-3318-ND | Apr 7, 2011 | Flooding | No |
| DR-1907-ND | Apr 30, 2010 | Flooding | No |
| EM-3309-ND | Mar 14, 2010 | Flooding | No |
| DR-1829-ND | Mar 24, 2009 | Severe Storms and Flooding | Yes |
| DR-1713-ND | Jul 17, 2007 | Severe Storms and Flooding | No |
| DR-1645-ND | Jun 5, 2006 | Severe Storms, Flooding, and Ground Saturation | No |
| DR-1597-ND | Jul 22, 2005 | Severe Storms, Flooding, and Ground Saturation | No |
| DR-1515-ND | May 5, 2004 | Severe Storms, Flooding, and Ground Saturation | No |
| DR-1431-ND | Sep 10, 2002 | Severe Storms, Flooding and Tornadoes | No |
| DR-1376-ND | May 28, 2001 | Severe Storms, Flooding, & Ground Saturation | No |
| DR-1334-ND | Jun 27, 2000 | Severe Storms, Flooding and Ground Saturation | Yes |
What to do with this
A county's history doesn't tell you your own building's risk. To see your property's flood zone, use FEMA's flood map lookup. To weigh coverage, start with do I need flood insurance? and what flood insurance costs.
Where these numbers come from
All figures on this page are calculated from FEMA's public OpenFEMA datasets:
- NFIP Redacted Claims (v3) (FEMA (OpenFEMA)): NFIP claims since 1978, downloaded 2026-10-08. Dollar amounts are what the NFIP paid, not adjusted for inflation. Claims filed under private flood insurance aren't included.
- NFIP Residential Penetration Rates (v1) (FEMA (OpenFEMA)): NFIP residential policy contracts in force (as of August 3, 2026) divided by FEMA's count of residential buildings from the National Structure Inventory. FEMA notes that inventory is incomplete in some counties, which can inflate the rate. Private flood policies aren't counted.
- NFIP Redacted Policies (v3) (FEMA (OpenFEMA)): NFIP policies in force on June 30, 2026 (a policy counts if its term covers that date and it wasn't cancelled), downloaded 2026-10-08. Policy counts are FEMA's insured units, so a condominium association policy counts each unit. Costs are FEMA's "policy cost" (premium plus reserve fund assessment, federal policy fee and HFIAA surcharge) for single-family homes only. Policies FEMA's data doesn't place in a county count toward the state only.
- Disaster Declarations Summaries (v2) (FEMA (OpenFEMA)): disaster declarations, downloaded 2026-10-08. We count a declaration as flood-related when FEMA lists flooding (or a dam or levee break) as its incident type or a designated incident type, or the declaration's title mentions flooding.
FEMA's redacted claims data doesn't identify properties, and FEMA notes that some records lack a county or flood zone. See how we use the data.