Data · July 2026 data · 15-month trend
Minnesota Flood Insurance Costs
Homeowners taking out or renewing NFIP flood coverage in Minnesota paid an average premium of $1,092 in July 2026. Premiums there are 10.8% higher than the $986 national figure. Costs have risen 7.9% year over year. 558 policies were written or renewed statewide that month; Chippewa County was the priciest county at $2,671 on average.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — July 2026
- Average premium
- $1,092
- Avg total cost (with fees)
- $1,416
- Change (year over year)
- +7.9%
- vs national average
- +10.8%
- Policies written or renewed
- 558
- Counties reporting
- 67
Minnesota trend, last 15 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $1,018 | $1,339 | 526 | |
| June 2025 | $1,156 | $1,489 | 464 | |
| July 2025 | $1,012 | $1,321 | 576 | |
| August 2025 | $1,096 | $1,428 | 535 | |
| September 2025 | $1,053 | $1,374 | 485 | |
| October 2025 | $1,044 | $1,357 | 513 | |
| November 2025 | $834 | $1,107 | 480 | |
| December 2025 | $1,302 | $1,673 | 392 | |
| January 2026 | $1,228 | $1,586 | 340 | |
| February 2026 | $1,146 | $1,491 | 365 | |
| March 2026 | $1,205 | $1,556 | 759 | |
| April 2026 | $949 | $1,233 | 960 | |
| May 2026 | $1,087 | $1,422 | 492 | |
| June 2026 | $1,215 | $1,563 | 436 | |
| July 2026 | $1,092 | $1,416 | 558 |
County breakdown — July 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Chippewa County | $2,671 | $3,224 | 2 | |
| Cook County | $2,570 | $3,217 | 2 | |
| Freeborn County | $2,558 | $3,203 | 2 | |
| Winona County | $2,126 | $2,623 | 16 | |
| Benton County | $1,939 | $2,360 | 7 | |
| Stearns County | $1,925 | $2,415 | 25 | |
| Cottonwood County | $1,916 | $2,446 | 2 | |
| McLeod County | $1,901 | $2,316 | 3 | |
| Jackson County | $1,872 | $2,431 | 3 | |
| Murray County | $1,870 | $2,504 | 1 | |
| Kanabec County | $1,652 | $2,133 | 2 | |
| Nicollet County | $1,651 | $2,020 | 1 | |
| Le Sueur County | $1,594 | $1,990 | 6 | |
| Olmsted County | $1,568 | $1,965 | 16 | |
| Clay County | $1,566 | $1,936 | 14 | |
| Waseca County | $1,503 | $1,920 | 3 | |
| Faribault County | $1,489 | $1,829 | 1 | |
| Goodhue County | $1,443 | $1,812 | 6 | |
| Wright County | $1,399 | $1,809 | 13 | |
| Steele County | $1,319 | $1,693 | 7 | |
| Fillmore County | $1,302 | $1,665 | 8 | |
| Mille Lacs County | $1,263 | $1,562 | 2 | |
| Aitkin County | $1,231 | $1,667 | 11 | |
| Anoka County | $1,209 | $1,520 | 21 | |
| Carlton County | $1,202 | $1,603 | 4 | |
| Pine County | $1,180 | $1,517 | 13 | |
| St. Louis County | $1,171 | $1,575 | 37 | |
| Wabasha County | $1,159 | $1,439 | 3 | |
| Koochiching County | $1,140 | $1,586 | 4 | |
| Sherburne County | $1,124 | $1,444 | 15 | |
| Brown County | $1,078 | $1,344 | 3 | |
| Scott County | $1,056 | $1,359 | 11 | |
| Big Stone County | $1,048 | $1,533 | 3 | |
| Houston County | $1,046 | $1,370 | 7 | |
| Otter Tail County | $1,024 | $1,505 | 1 | |
| Rock County | $1,012 | $1,267 | 2 | |
| Lake County | $950 | $1,305 | 2 | |
| Todd County | $924 | $1,275 | 4 | |
| Pennington County | $921 | $1,272 | 2 | |
| Blue Earth County | $920 | $1,214 | 4 | |
| Polk County | $899 | $1,133 | 8 | |
| Pipestone County | $896 | $1,129 | 2 | |
| Norman County | $894 | $1,159 | 7 | |
| Mower County | $893 | $1,163 | 6 | |
| Isanti County | $890 | $1,197 | 3 | |
| Washington County | $877 | $1,158 | 22 | |
| Meeker County | $866 | $1,206 | 4 | |
| Crow Wing County | $865 | $1,233 | 8 | |
| Traverse County | $848 | $1,073 | 3 | |
| Lake of the Woods County | $840 | $1,243 | 5 | |
| Morrison County | $825 | $1,271 | 5 | |
| Ramsey County | $808 | $1,074 | 28 | |
| Hennepin County | $765 | $1,008 | 101 | |
| Chisago County | $751 | $958 | 1 | |
| Rice County | $738 | $999 | 4 | |
| Marshall County | $738 | $942 | 3 | |
| Roseau County | $700 | $962 | 7 | |
| Nobles County | $661 | $928 | 3 | |
| Wilkin County | $640 | $827 | 2 | |
| Cass County | $638 | $937 | 2 | |
| Dodge County | $606 | $787 | 3 | |
| Dakota County | $559 | $742 | 20 | |
| Douglas County | $520 | $686 | 1 | |
| Becker County | $513 | $677 | 1 | |
| Kittson County | $463 | $618 | 1 | |
| Lyon County | $450 | $603 | 1 | |
| Carver County | $200 | $318 | 18 |
Use this data
Download Minnesota CSV (minnesota.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (NFIP Redacted Policies v3).
"Minnesota Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, July 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/minnesota
Related guides
Compare county data, then use the editorial guides to understand how NFIP coverage and pricing work in practice.