Roseau County flood history
Minnesota · From FEMA's flood insurance and disaster data · Updated 2026-10-08
FEMA's National Flood Insurance Program (NFIP) data lists 279 flood insurance claims in Roseau County, Minnesota since 1978. The NFIP paid $3.4 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 2002, with 266, mostly from Torrential rain.
No NFIP claims in Roseau County, Minnesota are on record for the last ten years.
9% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).
About 0.4% of homes in Roseau County, Minnesota had an NFIP flood policy in FEMA's latest count (44 of 9,863 residential buildings). In the high-risk flood zones (Special Flood Hazard Areas), it was 6% (37 of 571).
Since 2000, FEMA has made 10 flood-related disaster declarations covering Roseau County, Minnesota. The most recent was DR-4722-MN (Severe Storms and Flooding), declared July 19, 2023.
NFIP claims by year
Show as a table
| Year | Claims | Paid |
|---|---|---|
| 2006 | 2 | $4,860 |
| 2004 | 1 | $0 |
| 2002 | 266 | $3.3 million |
| 1997 | 6 | $97,514 |
| 1996 | 3 | $340 |
| 1979 | 1 | $1,021 |
Named flood events
| Event | Year | Claims | Paid |
|---|---|---|---|
| Torrential rain | 2002 | 258 | $3.2 million |
| Flooding | 1997 | 6 | $97,514 |
| Not a named storm | 1979 | 1 | $1,021 |
How many homes have flood insurance
FEMA counts 44 residential NFIP policies in Roseau County, against 9,863 residential buildings (0.4%). Of the 571 residential buildings in high-risk flood zones (Special Flood Hazard Areas), 37 have an NFIP policy (6%). Private flood policies aren't in these counts.
Whether you're required to carry flood insurance depends on your flood zone and your mortgage. See do I need flood insurance?
Flood-related disaster declarations
| Declaration | Declared | Event | Help for individuals |
|---|---|---|---|
| DR-4722-MN | Jul 19, 2023 | Severe Storms and Flooding | No |
| DR-4659-MN | Jul 13, 2022 | Severe Storms, Straight-Line Winds, and Flooding | No |
| DR-4442-MN | Jun 12, 2019 | Severe Winter Storm, Straight-Line Winds, and Flooding | No |
| DR-4182-MN | Jul 21, 2014 | Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides | No |
| DR-1982-MN | May 10, 2011 | Severe Storms and Flooding | No |
| DR-1830-MN | Apr 9, 2009 | Severe Storms and Flooding | Yes |
| DR-1648-MN | Jun 5, 2006 | Flooding | No |
| DR-1419-MN | Jun 14, 2002 | Severe Storms, Flooding and Tornadoes | Yes |
| DR-1370-MN | May 16, 2001 | Severe Winter Storms, Flooding, and Tornadoes | Yes |
| DR-1333-MN | Jun 27, 2000 | Severe Storms and Flooding | Yes |
Check your own address
County numbers can't tell you about a single building. Look up your property on FEMA's flood map, then read what your flood zone means. More counties: all of Minnesota.
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.
- 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.