Data · May 2026 data · 13-month trend
Minnesota Flood Insurance Costs
Homeowners taking out or renewing NFIP flood coverage in Minnesota paid an average premium of $1,106 in May 2026. Premiums there are 12.7% higher than the $982 national figure. Costs have risen 8.6% year over year. 474 policies were written or renewed statewide that month; Chippewa County was the priciest county at $3,565 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 — May 2026
- Average premium
- $1,106
- Avg total cost (with fees)
- $1,446
- Change (year over year)
- +8.6%
- vs national average
- +12.7%
- Policies written or renewed
- 474
- Counties reporting
- 64
Minnesota trend, last 13 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 | $1,019 | $1,340 | 526 | |
| June 2025 | $1,156 | $1,489 | 464 | |
| July 2025 | $1,012 | $1,321 | 576 | |
| August 2025 | $1,095 | $1,427 | 533 | |
| September 2025 | $1,053 | $1,375 | 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 | $948 | $1,233 | 960 | |
| May 2026 | $1,106 | $1,446 | 474 |
County breakdown — May 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 | $3,565 | $4,503 | 2 | |
| Fillmore County | $3,217 | $3,958 | 5 | |
| Rice County | $2,522 | $3,093 | 5 | |
| Carlton County | $2,431 | $3,121 | 5 | |
| Wabasha County | $2,295 | $2,780 | 2 | |
| Winona County | $2,102 | $2,664 | 6 | |
| Marshall County | $2,091 | $2,540 | 2 | |
| Houston County | $1,959 | $2,458 | 3 | |
| Murray County | $1,789 | $2,259 | 3 | |
| Grant County | $1,722 | $2,104 | 1 | |
| Blue Earth County | $1,714 | $2,230 | 5 | |
| Wadena County | $1,638 | $2,118 | 2 | |
| Faribault County | $1,609 | $1,971 | 2 | |
| Itasca County | $1,586 | $1,943 | 1 | |
| Polk County | $1,556 | $1,972 | 7 | |
| Brown County | $1,480 | $1,893 | 3 | |
| Steele County | $1,451 | $1,784 | 4 | |
| Pine County | $1,450 | $1,848 | 7 | |
| Kandiyohi County | $1,392 | $1,715 | 1 | |
| Wilkin County | $1,315 | $1,624 | 2 | |
| Stearns County | $1,306 | $1,703 | 15 | |
| Anoka County | $1,294 | $1,622 | 20 | |
| Cottonwood County | $1,281 | $1,584 | 3 | |
| Goodhue County | $1,256 | $1,667 | 6 | |
| Mower County | $1,233 | $1,527 | 6 | |
| Washington County | $1,223 | $1,546 | 15 | |
| Sherburne County | $1,219 | $1,545 | 13 | |
| Scott County | $1,213 | $1,573 | 13 | |
| Mille Lacs County | $1,187 | $1,557 | 8 | |
| Le Sueur County | $1,178 | $1,687 | 2 | |
| Wright County | $1,176 | $1,497 | 6 | |
| Beltrami County | $1,163 | $1,444 | 1 | |
| Benton County | $1,150 | $1,485 | 4 | |
| Roseau County | $1,130 | $1,518 | 4 | |
| Pennington County | $1,129 | $1,404 | 1 | |
| Chisago County | $1,126 | $1,513 | 2 | |
| Clay County | $1,098 | $1,429 | 11 | |
| Dodge County | $1,092 | $1,361 | 1 | |
| Aitkin County | $1,086 | $1,429 | 9 | |
| St. Louis County | $1,075 | $1,423 | 52 | |
| Morrison County | $972 | $1,295 | 3 | |
| Todd County | $947 | $1,301 | 2 | |
| Olmsted County | $891 | $1,145 | 21 | |
| Carver County | $874 | $1,103 | 10 | |
| McLeod County | $845 | $1,144 | 3 | |
| Hennepin County | $800 | $1,060 | 82 | |
| Isanti County | $783 | $996 | 2 | |
| Ramsey County | $774 | $1,010 | 9 | |
| Lake of the Woods County | $732 | $1,161 | 31 | |
| Kittson County | $726 | $1,041 | 2 | |
| Dakota County | $714 | $940 | 18 | |
| Pipestone County | $711 | $911 | 1 | |
| Freeborn County | $704 | $903 | 1 | |
| Big Stone County | $689 | $885 | 2 | |
| Meeker County | $684 | $879 | 1 | |
| Nobles County | $672 | $977 | 2 | |
| Norman County | $650 | $904 | 7 | |
| Nicollet County | $566 | $890 | 6 | |
| Traverse County | $540 | $709 | 2 | |
| Mahnomen County | $468 | $624 | 1 | |
| Crow Wing County | $457 | $724 | 2 | |
| Cook County | $453 | $607 | 1 | |
| Lake County | $413 | $784 | 1 | |
| Koochiching County | $401 | $657 | 2 |
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 (FimaNfipPolicies).
"Minnesota Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, May 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/minnesota
Related guides
Editorial context for reading these numbers — how NFIP coverage and pricing work in practice, and what a flood map does and doesn’t tell you.