Flood insurance in Minnesota: cost by ZIP code and county
Minnesota has 4,747 single-family flood policies; on July 31, 2026 the median bill was $1,158, and A zone homes paid well above it.
Median single-family flood bill, Minnesota
$1,158
4,747 policies in force on July 31, 2026, premium and fees included.
| Median full-risk price, same policies | $1,327 |
| Policies still below their full-risk price | 45 % |
| Median paid in August 2023 | $858 |
| Increase left from the median | 1 renewal at 18 % |
| Next five bills, added up | $6,635 |
| Median claim paid, 2016 to 2025 (463 claims) | $8,864 |
Compiled by Radif Partners · Where the numbers come from · 262 ZIP codes and 75 counties of Minnesota in FEMA's tables · not a quote
On July 31, 2026, Minnesota's 4,747 single-family flood policies had a median yearly bill of $1,158, with the premium, Reserve Fund Assessment, HFIAA surcharge and Federal Policy Fee added together. The full-risk median of the same homes was $1,327, and 45 % of policies still paid less. The split by zone is clear: about half the policies are in A zones, at a median $1,317, and most of the rest in X zones, at $996. Hennepin County, with Minneapolis, has the most policies, 829, and among the lowest bills. The steep gaps are elsewhere. Clay County, around Moorhead on the Red River, pays a median $1,365 against $2,371 at full risk; Olmsted County, around Rochester, has a full-risk median of $2,769. Paid claims from 2016 to 2025 numbered 463.
Most of the state buys none at all
Minnesota's federal flood policy count is small: 4,747 single-family homes. No county has more than about a thousand. In the Twin Cities, bills are low and close to final: Hennepin County's median of $859 compares with a full-risk median of $872, and Dakota County is cheaper still at $706. Anoka County, on the Mississippi and Rum rivers, pays more, $1,204. Washington County, along the St. Croix around Stillwater, has 222 policies at $941, and its paid claims had a median of $15,188, the highest among the large counties with claim data.
A zone or X zone makes a real difference here
The zone still decides whether a lender must require a policy, and here it lines up with the price. In Minnesota the 2,546 A zone policies cost $1,317 at the median and have a full-risk median of $1,556; the 2,196 X zone policies cost $996, with little gap left. An A zone home with a federally backed mortgage must carry a policy; an X zone home does not.
Minnesota bills by zone type
Median yearly cost, A zones, Minnesota
$1,317
| Same zone type, whole country | $1,197 |
| X, B, C zones in Minnesota | $996 |
Clay, Olmsted and the southeast corner
Clay County's 166 policies have the largest share still capped among the big counties, 74 %, and a main home at the county medians has 4 renewals to go at 18 % a year. Olmsted County pays a median $1,205 today, less than half its full-risk median. In FEMA's 2023 county tables the widest gap was in Houston County, in the southeast corner on the Iowa and Wisconsin lines, on just 51 policies.
Claims are light. The June Midwest Flooding of 2024 is the largest event in the file, with 83 paid single-family claims for $3,459,225. The median claim statewide was $8,864, and A zone claims, a median of $12,413, ran larger than X zone claims. St. Louis County, around Duluth on Lake Superior, has 256 policies. Lender rules are covered in is flood insurance required.
The Minnesota counties with the most policies
| County | Policies | Median bill | Full-risk median | Still below full risk | Renewals left at 18 % | Median bill, August 2023 | Median claim 2016-2025 |
|---|---|---|---|---|---|---|---|
| Hennepin County | 829 | $859 | $872 | 29 % | 1 | $758 | $3,101 |
| Anoka County | 226 | $1,204 | $1,375 | 49 % | 1 | $863 | $5,514 |
| Clay County | 166 | $1,365 | $2,371 | 74 % | 4 | $863 | n/a |
| Washington County | 222 | $941 | $975 | 30 % | 1 | $802 | $15,188 |
| St. Louis County | 256 | $1,179 | $1,383 | 58 % | 2 | $844 | $12,684 |
| Dakota County | 147 | $706 | $722 | 27 % | 1 | $663 | $4,344 |
| Ramsey County | 149 | $786 | $788 | 30 % | 1 | $749 | n/a |
| Olmsted County | 138 | $1,205 | $2,769 | 65 % | 6 | $798 | $4,173 |
Full-risk prices of Minnesota homes, band by band
| Full risk-based price a year | Policies | Share | Median rebuild value |
|---|---|---|---|
| $0 to $1,000 | 2,128 | 36.7 % | $466,761 |
| $1,000 to $2,000 | 1,878 | 32.4 % | $435,140 |
| $2,000 to $3,000 | 792 | 13.6 % | $432,826 |
| $3,000 to $4,000 | 389 | 6.7 % | $459,762 |
| $4,000 to $5,000 | 235 | 4.1 % | $459,483 |
| $5,000 or more | 384 | 6.6 % |
The floods that paid the most Minnesota claims since 2016
| Event (FEMA name) | Year | Paid claims | Paid in total |
|---|---|---|---|
| June Midwest Flooding | 2024 | 83 | $3,459,225 |