Flood Help Guide

Ramsey County flood history

North Dakota · From FEMA's flood insurance and disaster data · Updated 2026-10-08

1,103NFIP flood claims since 1978
$37.6 millionPaid on those claims
n/aAverage paid claimlast 10 years
0.5%Homes with NFIP flood insurance
12Flood disaster declarationssince 2000

FEMA's National Flood Insurance Program (NFIP) data lists 1,103 flood insurance claims in Ramsey County, North Dakota since 1978. The NFIP paid $37.6 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 228, mostly from Flooding.

No NFIP claims in Ramsey County, North Dakota are on record for the last ten years.

88% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).

About 0.5% of homes in Ramsey County, North Dakota had an NFIP flood policy in FEMA's latest count (25 of 4,840 residential buildings).

Since 2000, FEMA has made 12 flood-related disaster declarations covering Ramsey County, North Dakota. The most recent was DR-4660-ND (Severe Winter Storm and Flooding), declared July 13, 2022.

NFIP claims by year

NFIP flood claims per year in Ramsey County, North Dakota062.5125187.52501979: 2 claims, $5,562 paid198019901995: 43 claims, $781,902 paid1996: 128 claims, $6.0 million paid1997: 228 claims, $9.2 million paid1998: 85 claims, $3.7 million paid1999: 120 claims, $2.3 million paid2000: 56 claims, $1.2 million paid20002001: 105 claims, $1.6 million paid2002: 9 claims, $171,841 paid2003: 3 claims, $81,200 paid2004: 22 claims, $343,865 paid2006: 2 claims, $3,147 paid2009: 62 claims, $3.2 million paid2010: 53 claims, $2.0 million paid20102011: 167 claims, $6.6 million paid2012: 6 claims, $317,166 paid2013: 12 claims, $100,508 paid2020
Claims per year of loss. Hover or tap a bar for details.
Show as a table
YearClaimsPaid
201312$100,508
20126$317,166
2011167$6.6 million
201053$2.0 million
200962$3.2 million
20062$3,147
200422$343,865
20033$81,200
20029$171,841
2001105$1.6 million
200056$1.2 million
1999120$2.3 million
199885$3.7 million
1997228$9.2 million
1996128$6.0 million
199543$781,902
19792$5,562

Named flood events

EventYearClaimsPaid
Flooding1997125$4.8 million
Severe flooding200145$651,449
Late spring storms201153$428,973
Late spring storms20126$317,166
Late spring storms201312$100,508
Not a named storm19791$362

How many homes have flood insurance

FEMA counts 25 residential NFIP policies in Ramsey County, against 4,840 residential buildings (0.5%). 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

DeclarationDeclaredEventHelp for individuals
DR-4660-ND Jul 13, 2022 Severe Winter Storm and Flooding No
DR-4128-ND Jul 12, 2013 Severe Storms and Flooding No
DR-4118-ND May 29, 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-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-1376-ND May 28, 2001 Severe Storms, Flooding, & Ground Saturation No
DR-1334-ND Jun 27, 2000 Severe Storms, Flooding and Ground Saturation 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 North Dakota.

Where these numbers come from

All figures on this page are calculated from FEMA's public OpenFEMA datasets:

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.