ZIP Codes with Highest Flood Risk in Minnesota

Out of 521 ZIP codes with data in Minnesota, these are the highest-ranked areas for historical nfip claims. See also: National ZIP Codes with the Most Historical NFIP Claims | All Minnesota Rankings

Statistic	Value
ZIP codes ranked	521
Highest value	1,226 claims
Median value	5 claims
State	Minnesota

Top 100 Worst ZIP Codes

Rank	ZIP Code	City	State	Historical NFIP Claims	Safety Score
1	56721	East Grand Forks	MN	1,226 claims	—
2	56560	Moorhead	MN	1,155 claims	—
3	55912	Austin	MN	710 claims	—
4	56762	Warren	MN	673 claims	—
5	56744	Oslo	MN	478 claims	—
6	56520	Breckenridge	MN	472 claims	—
7	55904	Rochester	MN	362 claims	—
8	56751	Roseau	MN	271 claims	—
9	56757	Stephen	MN	181 claims	—
10	55043	Lakeland	MN	165 claims	66/100
11	55003	Bayport	MN	161 claims	—
12	56241	Granite Falls	MN	160 claims	—
13	55901	Rochester	MN	156 claims	—
14	56265	Montevideo	MN	155 claims	—
15	56728	Hallock	MN	150 claims	—
16	55313	Buffalo	MN	132 claims	67/100
17	55902	Rochester	MN	106 claims	—
18	56546	Georgetown	MN	105 claims	—
19	56548	Halstad	MN	102 claims	—
20	55060	Owatonna	MN	86 claims	—
21	56716	Crookston	MN	82 claims	—
22	56187	Worthington	MN	79 claims	—
23	55981	Wabasha	MN	77 claims	—
24	56278	Ortonville	MN	72 claims	—
25	56219	Browns Valley	MN	68 claims	—
26	55372	Prior Lake	MN	67 claims	66/100
27	56296	Wheaton	MN	65 claims	—
28	56096	Waterville	MN	64 claims	—
29	56001	Mankato	MN	62 claims	67/100
30	55947	La Crescent	MN	61 claims	—
31	55987	Winona	MN	60 claims	65/100
32	56510	Ada	MN	60 claims	—
33	55906	Rochester	MN	58 claims	66/100
34	55033	Hastings	MN	57 claims	49/100
35	55041	Lake City	MN	57 claims	67/100
36	55760	Mcgregor	MN	56 claims	—
37	55963	Pine Island	MN	52 claims	66/100
38	56258	Marshall	MN	52 claims	66/100
39	56713	Argyle	MN	50 claims	—
40	55422	Minneapolis	MN	49 claims	66/100
41	55991	Zumbro Falls	MN	49 claims	—
42	56535	Erskine	MN	49 claims	—
43	55066	Red Wing	MN	48 claims	67/100
44	55082	Stillwater	MN	47 claims	49/100
45	55118	Saint Paul	MN	47 claims	—
46	56573	Perham	MN	47 claims	—
47	55057	Northfield	MN	46 claims	—
48	56574	Perley	MN	45 claims	—
49	56101	Windom	MN	43 claims	—
50	56710	Alvarado	MN	43 claims	—
51	55419	Minneapolis	MN	42 claims	66/100
52	56367	Rice	MN	42 claims	—
53	55407	Minneapolis	MN	41 claims	66/100
54	56466	Motley	MN	38 claims	—
55	56554	Lake Park	MN	38 claims	—
56	55424	Minneapolis	MN	37 claims	66/100
57	55975	Spring Valley	MN	36 claims	—
58	55001	Afton	MN	35 claims	—
59	56755	Saint Vincent	MN	35 claims	—
60	55042	Lake Elmo	MN	34 claims	49/100
61	55328	Delano	MN	33 claims	66/100
62	55436	Minneapolis	MN	33 claims	—
63	55965	Preston	MN	33 claims	—
64	56007	Albert Lea	MN	33 claims	—
65	56082	Saint Peter	MN	33 claims	—
66	56232	Dawson	MN	32 claims	—
67	56547	Glyndon	MN	31 claims	—
68	55319	Clear Lake	MN	30 claims	—
69	56156	Luverne	MN	30 claims	—
70	55736	Floodwood	MN	29 claims	—
71	55021	Faribault	MN	28 claims	—
72	55803	Duluth	MN	28 claims	—
73	55808	Duluth	MN	28 claims	—
74	55063	Pine City	MN	27 claims	—
75	55089	Welch	MN	27 claims	67/100
76	55303	Anoka	MN	27 claims	67/100
77	55427	Minneapolis	MN	27 claims	67/100
78	55331	Excelsior	MN	26 claims	66/100
79	56003	Mankato	MN	26 claims	—
80	56580	Sabin	MN	26 claims	—
81	55330	Elk River	MN	25 claims	—
82	56550	Hendrum	MN	25 claims	—
83	55107	Saint Paul	MN	24 claims	64/100
84	55391	Wayzata	MN	24 claims	67/100
85	55402	Minneapolis	MN	24 claims	66/100
86	56303	Saint Cloud	MN	24 claims	—
87	56431	Aitkin	MN	24 claims	—
88	55315	Carver	MN	23 claims	—
89	56073	New Ulm	MN	23 claims	—
90	56511	Audubon	MN	23 claims	—
91	56568	Nielsville	MN	23 claims	—
92	56733	Kennedy	MN	23 claims	—
93	55055	Newport	MN	22 claims	50/100
94	55416	Minneapolis	MN	22 claims	66/100
95	55428	Minneapolis	MN	22 claims	66/100
96	56701	Thief River Falls	MN	22 claims	—
97	56467	Nevis	MN	21 claims	—
98	55026	Frontenac	MN	20 claims	—
99	55112	Saint Paul	MN	20 claims	66/100
100	55318	Chaska	MN	19 claims	—

Methodology

This ranking uses historical FEMA National Flood Insurance Program claim records. The entity is not a complete inventory of properties, flood events, uninsured losses, or current FEMA map designations. ZIPs without claim evidence are unknown and are not ranked as zero or low risk.

Data sources: EPA Safe Drinking Water Information System (SDWIS), FEMA National Flood Insurance Program, EPA radon zone maps, EIA electricity rates, and Consumer Confidence Reports. Last updated: 2026-10-15.

Frequently Asked Questions

What does this ranking show?

It shows historical NFIP claim counts for ZIP records where FEMA claim evidence is available. It does not determine the current flood zone or risk of a specific property.

Where does the claim data come from?

The records come from FEMA National Flood Insurance Program claims. They do not include a complete inventory of uninsured losses or current property-map designations.

ZIP Codes with Highest Flood Risk in Minnesota — 2026

Top 100 Worst ZIP Codes

Methodology

Frequently Asked Questions

What does this ranking show?

Where does the claim data come from?

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