Minnesota Home-Insurance Distress by County

Home-insurance distress across Minnesota is below the national norm: 87 counties average 19/100, 40th of 52 states.

1 of Minnesota's 87 counties score 70 or higher (severe).

Minnesota's reading rests on a FEMA hazard average of 19/100 and NFIP flood-claim stress of 22/100.

Over three years Minnesota counties filed 159 NFIP flood claims, $5,925,065 paid.

Highest in Minnesota: St. Louis County 75/100 (#495 US), Le Sueur County 68/100 (#676 US), Watonwan County 67/100 (#709 US), Rice County 66/100 (#753 US), Blue Earth County 65/100 (#768 US).

Minnesota counties by insurance band: 42 zero (Minnesota), 27 low, 18 medium; Minnesota NFIP claims, three years: 159; Minnesota payouts $5.9 million.

Minnesota counties with the most NFIP claims: Cottonwood 23 ($286,400); Le Sueur 23 ($1.7 million); Blue Earth 17 ($472,700) in Minnesota; Rice 14 ($549,081); Mower 10 ($361,296).

Minnesota county average fell: 22.0 in March 2026; Minnesota reads 21.0 in October 2026; Minnesota by month: March 22.0, April 22.0, May 20.6 (Minnesota), June 20.6, July 23.2, August 23.2 (Minnesota), September 19.4, October 21.0.

Highest Minnesota ZIPs, insurance distress: 34224 81 (climate 94), 34235 47 (climate 98) in Minnesota, 34236 47 (climate 98), 34293 47 (climate 98) in Minnesota, 34287 47 (climate 98), 34229 47 (climate 98) in Minnesota.

Reading the Minnesota bands: 0 of 87 Minnesota counties sit in a high or worse insurance band; Minnesota filed 159 NFIP claims in three years, $5.9 million paid to Minnesota policyholders; a Minnesota county's band moves when FEMA hazard revisions, new Minnesota NFIP settlements or carrier filings change its monthly score.