ZIP Codes with Highest Flood Risk in Minnesota

Out of 521 ZIP codes with data in Minnesota, these are the highest-ranked areas for flood claims. See also: National ZIP Codes with Highest Flood Risk | 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	Flood Claims	Safety Score
1	56721	East Grand Forks	MN	1,226 claims	50/100
2	56560	Moorhead	MN	1,155 claims	50/100
3	55912	Austin	MN	707 claims	53/100
4	56762	Warren	MN	673 claims	55/100
5	56744	Oslo	MN	478 claims	47/100
6	56520	Breckenridge	MN	472 claims	55/100
7	55904	Rochester	MN	362 claims	49/100
8	56751	Roseau	MN	271 claims	54/100
9	56757	Stephen	MN	181 claims	52/100
10	55043	Lakeland	MN	165 claims	60/100
11	55003	Bayport	MN	161 claims	52/100
12	56241	Granite Falls	MN	160 claims	48/100
13	55901	Rochester	MN	156 claims	54/100
14	56265	Montevideo	MN	155 claims	60/100
15	56728	Hallock	MN	150 claims	52/100
16	55313	Buffalo	MN	132 claims	60/100
17	55902	Rochester	MN	106 claims	54/100
18	56546	Georgetown	MN	105 claims	59/100
19	56548	Halstad	MN	102 claims	60/100
20	55060	Owatonna	MN	86 claims	60/100
21	56716	Crookston	MN	82 claims	35/100
22	56187	Worthington	MN	79 claims	60/100
23	55981	Wabasha	MN	77 claims	60/100
24	56278	Ortonville	MN	72 claims	59/100
25	56219	Browns Valley	MN	68 claims	45/100
26	55372	Prior Lake	MN	67 claims	60/100
27	56296	Wheaton	MN	65 claims	52/100
28	56096	Waterville	MN	64 claims	60/100
29	56001	Mankato	MN	62 claims	59/100
30	55947	La Crescent	MN	61 claims	40/100
31	55987	Winona	MN	60 claims	57/100
32	56510	Ada	MN	60 claims	48/100
33	55906	Rochester	MN	58 claims	54/100
34	55033	Hastings	MN	57 claims	59/100
35	55041	Lake City	MN	57 claims	60/100
36	55760	Mcgregor	MN	56 claims	61/100
37	55963	Pine Island	MN	52 claims	60/100
38	56258	Marshall	MN	52 claims	53/100
39	56713	Argyle	MN	50 claims	57/100
40	55422	Minneapolis	MN	49 claims	63/100
41	55991	Zumbro Falls	MN	49 claims	64/100
42	56535	Erskine	MN	49 claims	57/100
43	55066	Red Wing	MN	48 claims	65/100
44	55082	Stillwater	MN	47 claims	64/100
45	55118	Saint Paul	MN	47 claims	45/100
46	56573	Perham	MN	47 claims	65/100
47	55057	Northfield	MN	46 claims	64/100
48	56574	Perley	MN	45 claims	65/100
49	56101	Windom	MN	43 claims	65/100
50	56710	Alvarado	MN	43 claims	65/100
51	55419	Minneapolis	MN	42 claims	63/100
52	56367	Rice	MN	42 claims	70/100
53	55407	Minneapolis	MN	41 claims	63/100
54	56466	Motley	MN	38 claims	78/100
55	56554	Lake Park	MN	38 claims	57/100
56	55424	Minneapolis	MN	37 claims	63/100
57	55975	Spring Valley	MN	36 claims	57/100
58	55001	Afton	MN	35 claims	45/100
59	56755	Saint Vincent	MN	35 claims	45/100
60	55042	Lake Elmo	MN	34 claims	63/100
61	55328	Delano	MN	33 claims	65/100
62	55436	Minneapolis	MN	33 claims	63/100
63	55965	Preston	MN	33 claims	62/100
64	56007	Albert Lea	MN	33 claims	63/100
65	56082	Saint Peter	MN	33 claims	45/100
66	56232	Dawson	MN	32 claims	64/100
67	56547	Glyndon	MN	31 claims	53/100
68	55319	Clear Lake	MN	30 claims	63/100
69	56156	Luverne	MN	30 claims	65/100
70	55736	Floodwood	MN	29 claims	70/100
71	55021	Faribault	MN	28 claims	61/100
72	55803	Duluth	MN	28 claims	71/100
73	55808	Duluth	MN	28 claims	71/100
74	55063	Pine City	MN	27 claims	76/100
75	55089	Welch	MN	27 claims	45/100
76	55303	Anoka	MN	27 claims	78/100
77	55427	Minneapolis	MN	27 claims	63/100
78	55331	Excelsior	MN	26 claims	65/100
79	56003	Mankato	MN	26 claims	64/100
80	56580	Sabin	MN	26 claims	64/100
81	55330	Elk River	MN	25 claims	65/100
82	56550	Hendrum	MN	25 claims	53/100
83	55107	Saint Paul	MN	24 claims	45/100
84	55391	Wayzata	MN	24 claims	65/100
85	55402	Minneapolis	MN	24 claims	63/100
86	56431	Aitkin	MN	24 claims	78/100
87	55315	Carver	MN	23 claims	65/100
88	56073	New Ulm	MN	23 claims	62/100
89	56303	Saint Cloud	MN	23 claims	45/100
90	56511	Audubon	MN	23 claims	65/100
91	56568	Nielsville	MN	23 claims	57/100
92	56733	Kennedy	MN	23 claims	65/100
93	55055	Newport	MN	22 claims	65/100
94	55416	Minneapolis	MN	22 claims	63/100
95	55428	Minneapolis	MN	22 claims	63/100
96	56701	Thief River Falls	MN	22 claims	56/100
97	56467	Nevis	MN	21 claims	56/100
98	55026	Frontenac	MN	20 claims	45/100
99	55112	Saint Paul	MN	20 claims	55/100
100	55318	Chaska	MN	19 claims	61/100

Methodology

Flood risk rankings use FEMA National Flood Insurance Program (NFIP) claim data. Total claims reflect historical flood events that resulted in insured property damage. High claim counts indicate areas with recurring flood exposure, which can compromise water infrastructure, introduce contaminant runoff, and damage home systems.

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: 2026-06-04.

Frequently Asked Questions

Why does flood history matter for home safety?

Flooding can contaminate drinking water supplies, damage water infrastructure, introduce sewage and chemical runoff, and compromise home foundations and electrical systems. Repeated flooding indicates persistent risk that affects long-term home safety.

Where does the flood data come from?

Flood claim data comes from the FEMA National Flood Insurance Program (NFIP), which tracks all insured flood losses by ZIP code. This includes claims from hurricanes, river flooding, storm surge, and heavy rainfall events.

ZIP Codes with Highest Flood Risk in Minnesota — 2026

Top 100 Worst ZIP Codes

Methodology

Frequently Asked Questions

Why does flood history matter for home safety?

Where does the flood data come from?

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