FEMA flood zones · Minnesota

Meeker County, Minnesota Flood Zone Map

6 flood insurance claims·$141,584 paid·3 federal flood & hurricane disasters

8% of Meeker County’s area is in FEMA’s high-risk flood zones.

Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.

Coastal high risk (V, VE)FloodwayHigh risk (A, AE)Moderate (X, 500-year)Minimal (X)Undetermined (D)

Shaded areas are FEMA’s mapped flood hazard zones in and around Meeker County, Minnesota. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.

How deep the water got

outlet80″ door12″24″36″48″60″72″84″

In flood insurance claims here that reported a flood depth, the average was 2 inches.

Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.

Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.

Flood claims, year by year

The worst year was 1984, with 2 claims and $68,342 paid.

1984: 2 claims2002: 1 claims2003: 1 claims2010: 1 claims2018: 1 claims1980199020002010

Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.

In their words

2 NOAA storm reports from Meeker County describe what happened, in the words of the forecasters who covered it. Read the Minnesota flood stories →

Federal disasters

11 federal disaster declarations since 1965, 3 of them floods, coastal storms or hurricanes.

DisasterBegan
Severe Storms And FloodingJun 14, 2012
Severe Storms, Flooding, And TornadoesJul 1, 2011
Hurricane Katrina EvacuationAug 29, 2005
Severe Winter Storms, Flooding, And TornadoesMar 23, 2001
Severe Winter StormsJan 3, 1997
Severe Storms, Tornadoes & FloodingMay 6, 1993
DroughtJun 17, 1976
FloodingApr 18, 1969

Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.

Recorded flood events

11 since 1996: 6 flash floods and 5 river or area floods.

EventDateDamage
Flash FloodJul 15, 2011$125,000
Flash FloodJun 24, 2003—
Flash FloodJun 25, 2002$200,000
Flash FloodJun 21, 2002—
Flash FloodAug 21, 2002—
Flash FloodApr 22, 2001$300,000
FloodApr 1, 2001—
FloodMar 31, 1997—

— = no damage estimate in the record. Source: NOAA Storm Events Database.

From the storm reports

Flash Flood · Jul 15, 2011. A complex of thunderstorms that developed across southeast North Dakota, moved into west central Minnesota during the early morning hours of Friday, July 15th. ||Several waves of thunderstorms moved across west central and central Minnesota during the morning, then mainly across east central and south central Minnesota during the afternoon. Due to the tropical type air mass in place, rainfall rates were extremely…

Flash Flood · Apr 22, 2001. Two to four inches rain fell on saturated ground. The most severe damage occured in Santiago (Sherburne County), where a dike along County Road 11 gave way and allowed water to come crashing into town. About one dozen homes and businesses were flooded and evacuations were necessary. Other damage included flooded basements in Foley (Benton County) and Milaca (Mille Lacs County). County officials reported roads…

Flood · Apr 1, 2001. Heavy snowfall during winter remained on the ground through the end of March and then rapidly melted, resulting in river stages close to record levels. Water began to gush through drainage ditches, streams and into the mainstem rivers during midday April 1. Heavy rain April 7-8 over much of central Minnesota (see corresponding flood entry) prolonged the high water and also added one or two feet to many crests dur…

Flood · Mar 31, 1997. South Fork of the Crow River reached Flood stage at Delano on 3/31/87. Delano is the river monitoring point. The river crested on 4/8/97 which was the third highest crest in recorded history.

National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.

The zones you’ll see on the map

Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.

Cross-section of a river floodplainDiagram: a river valley. The floodway is the channel and the land beside it; the 1%-annual-chance flood surface (the base flood elevation) covers the valley floor as zone A or AE; a narrow band higher up is shaded X, the 0.2% floodplain; higher ground is X.0.2% CHANCE A YEAR (500-YEAR)BASE FLOOD ELEVATION · 1% A YEARXAEFloodwayAEX
  1. A / AE Inside the 1%-a-year floodplain: about a 26% chance of flooding over a 30-year mortgage. AE has a mapped base flood elevation; plain A does not.
  2. Floodway The channel and the land beside it that has to be kept clear enough to carry the flood. Building here is tightly limited.
  3. X shaded The 0.2% (500-year) floodplain, plus some levee-protected and very shallow flood areas.
  4. X Outside both lines. No federal requirement to insure, which is not the same as no risk.

Every flood zone code explained →

Flood insurance in Meeker County

If a building in Meeker County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.

Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.