Enter any Minnesota address to see its FEMA flood zone designation
Minnesota has areas at risk of flooding from various sources including rivers, coastal storms, and heavy rainfall. FEMA has mapped flood zones across the state to identify areas at risk.
FEMA designates flood zones across Minnesota using the following classifications:
AE High Risk — 1% annual chance of flooding (100-year floodplain). Insurance required for federal mortgages.
VE Very High Risk — Coastal flooding with wave action. Strictest building codes.
X (Shaded) Moderate Risk — 500-year floodplain. Insurance recommended.
X Low Risk — Outside major floodplains. Insurance optional but advisable — 20%+ of NFIP claims come from low-risk zones.
Properties in Minnesota FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance through the National Flood Insurance Program (NFIP).
Even outside high-risk zones, flood insurance is recommended. NFIP claims data shows that over 20% of claims nationwide come from low and moderate-risk areas. Minnesota residents can purchase flood insurance through the NFIP or private insurers.
Visit FloodSmart.gov to find an agent and get a quote.
Select a county to view local flood zone data and disaster history:
Select a city to check flood zone information:
Pop. 18,492
Pop. 7,896
Pop. 14,335
Pop. 32,601
Pop. 17,921
Pop. 56,374
Pop. 9,939
Pop. 26,174
Pop. 8,612
Pop. 7,395
Pop. 14,574
Pop. 11,686
Pop. 70,222
Pop. 89,987
Pop. 14,395
Pop. 33,782
Pop. 86,478
Pop. 16,168
Pop. 64,317
Pop. 6,312
Pop. 9,611
Pop. 5,829
Pop. 23,919
Pop. 25,947
Pop. 27,810
Pop. 5,558
Pop. 5,025
Pop. 12,568
Pop. 21,973
Pop. 63,599
Pop. 6,185
Pop. 38,839
Pop. 7,482
Pop. 23,330
Pop. 7,262
Pop. 6,484
Pop. 9,869
Pop. 86,697
Pop. 68,855
Pop. 11,786
Pop. 9,176
Pop. 64,198
Pop. 53,494
Pop. 25,835
Pop. 10,487
Pop. 5,369
Pop. 24,453
Pop. 23,632
Pop. 14,119
Pop. 20,611
Pop. 29,590
Pop. 5,744
Pop. 22,552
Pop. 11,126
Pop. 16,464
Pop. 22,154
Pop. 10,221
Pop. 16,214
Pop. 19,079
Pop. 15,766
Pop. 14,599
Pop. 5,802
Pop. 35,801
Pop. 6,804
Pop. 6,656
Pop. 6,851
Pop. 5,276
Pop. 5,252
Pop. 11,335
Pop. 69,490
Pop. 21,399
Pop. 6,624
Pop. 10,819
Pop. 9,140
Pop. 8,138
Pop. 44,488
Pop. 70,253
Pop. 42,088
Pop. 13,628
Pop. 6,837
Pop. 11,744
Pop. 429,954
Pop. 53,781
Pop. 8,262
Pop. 5,398
Pop. 14,455
Pop. 44,505
Pop. 5,105
Pop. 9,398
Pop. 13,249
Pop. 23,454
Pop. 21,986
Pop. 8,162
Pop. 14,120
Pop. 10,787
Pop. 14,275
Pop. 5,272
Pop. 12,364
Pop. 20,790
Pop. 8,929
Pop. 28,303
Pop. 8,315
Pop. 19,966
Pop. 26,420
Pop. 81,026
Pop. 27,617
Pop. 27,646
Pop. 16,547
Pop. 5,102
Pop. 36,994
Pop. 14,646
Pop. 121,395
Pop. 13,295
Pop. 25,650
Pop. 36,254
Pop. 19,351
Pop. 13,862
Pop. 32,465
Pop. 43,698
Pop. 26,921
Pop. 7,783
Pop. 20,759
Pop. 7,188
Pop. 9,257
Pop. 68,881
Pop. 8,142
Pop. 7,029
Pop. 50,010
Pop. 18,235
Pop. 311,527
Pop. 5,544
Pop. 12,066
Pop. 6,687
Pop. 19,394
Pop. 8,749
Pop. 12,912
Pop. 10,546
Pop. 8,421
Pop. 13,033
Pop. 8,341
Pop. 9,229
Pop. 20,615
Pop. 24,883
Pop. 21,015
Pop. 25,948
Pop. 75,102
Pop. 13,947
Pop. 8,032
Pop. 6,189