Short answer: Minnesota property policies generally exclude flood. Check FEMA maps, then buy NFIP or private flood coverage. Minnesota DNR runs the state floodplain program and publishes floodplain maps and technical resources for residents and local officials.
This guide is general information for Minnesota property owners and renters about flood risk and the National Flood Insurance Program. It isn't a coverage determination. FEMA maps, your community's floodplain ordinance and your policy wording control.
Maps and coverage
Start with FEMA's Flood Map Service Center. Spring snowmelt and Red River and Mississippi flooding make timing important: most new NFIP policies through FloodSmart have a 30-day waiting period, so buy before thaw.
Minnesota DNR
Minnesota DNR Floodplain Maps and Technical Resources explains how to find effective and preliminary FEMA maps for Minnesota communities. The DNR floodplain program supports local floodplain ordinances under state law and the NFIP. Ask your city or county zoning office about local permits.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in Minnesota.
Frequently asked questions
Who runs Minnesota's floodplain program?
Minnesota DNR.
When should Minnesotans buy flood insurance?
Before spring thaw, since most new NFIP policies have a 30-day wait.
Do Minnesota homeowners policies cover flood?
Generally no. Buy NFIP or private flood coverage separately.
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.