Property Atlas

County hazard profile

Dakota, MN

Minnesota · pop. 439,810 · FIPS 27037

Relatively Moderate
FEMA risk rating · RATING
Strong Wind
dominant hazard
$134M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

near the national middle (41st percentile)

national median $15M/yr Dakota $134M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Moderate 89.5/100
national median ~50 among the highest nationally
Social vulnerabilityVery Low 10.62/100
national median ~50 among the lowest nationally
Community resilienceVery High 92.53/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Dakota

The National Flood Insurance Program has paid 181 flood-insurance claims totaling $3.9M in Dakota since 1978. The costliest year was 2019 ($673K paid).

Flood-insurance dollars paid by year of loss

1978: $2,119 paid 1979: $3,952 paid 1980: $0 paid 1981: $8,829 paid 1982: $0 paid 1983: $0 paid 1984: $3,136 paid 1986: $12,423 paid 1987: $970 paid 1988: $0 paid 1992: $803 paid 1993: $27,446 paid 1995: $0 paid 1997: $308,755 paid 1998: $37,788 paid 1999: $22,982 paid 2000: $39,787 paid 2001: $609,253 paid 2002: $2,925 paid 2003: $0 paid 2010: $402,269 paid 2011: $145,425 paid 2012: $9,760 paid 2013: $5,934 paid 2014: $380,599 paid 2015: $0 paid 2016: $188,421 paid 2018: $19,976 paid 2019: $673,350 paid 2020: $157,331 paid 2022: $0 paid 2023: $418,408 paid 2024: $399,824 paid 2019 · $673K 1978 2024
$3.9M
total paid
$21,450
average claim
$461K
largest single claim
53%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Dakota, MN and where it ranks among U.S. counties. It is not a verdict on whether Dakota is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.