Short answer: Hennepin County's FEMA National Risk Index report ranks hazards for Minneapolis tracts. The Minnesota FAIR Plan is the residual property market after private-market cancellation, nonrenewal or inability to obtain coverage. City rules cap grass and weeds at 8 inches, and Commerce materials cite 30/60/10 liability minimums.
This guide is general information for homeowners and drivers in the Minneapolis area (Hennepin County). It isn't legal advice or a coverage determination. Your policy wording, underwriting, city and county ordinances, and state insurance and motor-vehicle rules control. Check your address on FEMA's National Risk Index (county report for Hennepin County) and the Flood Map Service Center.
Local hazards: FEMA National Risk Index for Hennepin County
Open FEMA's National Risk Index and the Hennepin County report.
Snow emergency parking
The City of Minneapolis sets three days of rules when it declares a snow emergency. On Day 1, from 9 p.m., there's no parking on either side of snow emergency routes. On Day 2, from 8 a.m., there's no parking on the even side of non-route streets or on parkways. On Day 3, from 8 a.m., there's no parking on the odd side. Cars left in the way can be ticketed and towed.
The 2011 North Minneapolis tornado
The National Weather Service in Chanhassen says an EF1 tornado with peak winds near 100 mph hit on May 22, 2011, between 2:13 and 2:34 p.m. It touched down in St. Louis Park, entered Minneapolis, crossed the Mississippi at the Camden Bridge and ended in Blaine, a 13.6-mile path up to half a mile wide. One person died in the storm, another died during cleanup, and 48 were injured. Wind damage is normally covered, so check your wind and hail deductible and whether your policy pays to remove fallen trees.
Residual market: Minnesota FAIR Plan
The Minnesota FAIR Plan makes basic property insurance available when you have been canceled, non-renewed or otherwise unable to obtain private-market coverage. An offer from a standard insurer disqualifies you. Apply through any Minnesota-licensed agent; the Plan cannot refuse to take an application through a licensed agent.
Grass and weeds
The City of Minneapolis grass & weeds page states grass and weeds may not exceed 8 inches on private property (Chapter 244 enforcement). Clear before underwriting photos.
Auto: Minnesota 30/60/10
Minnesota Commerce Department personal-auto reference materials cite minimum liability of $30,000 bodily injury per person, $60,000 per accident and $10,000 property damage, plus separate PIP and UM/UIM requirements—confirm current figures in the auto insurance guide when you buy.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in Minnesota.
Frequently asked questions
Who qualifies for the Minnesota FAIR Plan?
Applicants canceled, non-renewed or otherwise unable to obtain private-market coverage, with no standard-insurer offer, per mnfairplan.org.
What grass height does Minneapolis enforce?
Grass and weeds may not exceed 8 inches on private property.
What auto liability minimum does Minnesota use?
Commerce materials cite 30/60/10 liability plus PIP and UM/UIM—confirm in the current auto guide.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.