IICRC-certified water damage pros across all of Minnesota — serving 15 cities and 0 counties. Average Minnesota claim: $9K. 140,000+ claims filed annually statewide.
15
Cities Covered
$9K
Avg Claim Value
140K+
Annual Claims
Yes ✓
NFIP Participant
Flood Risk Profile
Minnesota's Red River flows north, making it uniquely vulnerable to late spring flooding after southern tributaries thaw while northern sections remain frozen. The 1997 Red River flood forced evacuation of 60,000 people from Grand Forks/East Grand Forks. Minneapolis-St. Paul winters regularly reach -20F to -30F, making pipe freeze one of the most common residential insurance claims.
Notable Events
1997 Red River Valley flood (60,000 evacuated, Grand Forks/East Grand Forks destroyed)
2009-2010 Red River record floods (Fargo-Moorhead threatened)
February 2021 polar vortex — record pipe freeze claims statewide
Spring 2019 Minnesota River flooding ($500M+ agricultural and property damage)
Insurance Info — Minnesota
Minnesota Department of Commerce regulates. Minnesota requires written acknowledgment within 10 days and settlement within 60 days. Red River Valley properties have some of the highest recurring flood risk in the US. Minneapolis-St. Paul freeze/pipe claims spike dramatically during polar vortex events — ensure your policy covers burst pipe damage and subsequent mold remediation.
Licensing: Minnesota Department of Labor and Industry — Residential Building Contractor License required
Service Areas
Click any city for local flood risk data, cost estimates, and IICRC-certified pros.
Minneapolis
Hennepin County
St. Paul
Ramsey County
Duluth
St. Louis County
Rochester
Rochester County County
Metro Area 21
Metro Area 21 County County
Metro Area 72
Metro Area 72 County County
Metro Area 123
Metro Area 123 County County
Metro Area 174
Metro Area 174 County County
Eden Prairie
Hennepin County
Plymouth
Hennepin County
Maple Grove
Hennepin County
Brooklyn Park
Hennepin County
Burnsville
Dakota County
Bloomington
Hennepin County
St. Cloud
Stearns County
Official FEMA Records
Local Pricing
Minnesota averages $9K per insurance claim. Final cost depends on water category, affected area, delay time, and structural damage.
Use our cost calculatorAvg insurance claim
$9,000
Minnesota statewide avg
Annual claims filed
140K+
In Minnesota per year
Minor damage (Cat 1)
$1,500–$4,000
Clean water, small area
Severe damage (Cat 3)
$8,000–$25,000+
Sewage, flood, structural
IICRC-certified pros dispatch to your location 24/7 — average 44 min response across Minnesota.
Educational Resources
Most homeowners call a plumber first. That's the wrong call. The order in which you contact a restoration company, your insurer, and a plumber directly affects how much you recover from insurance -- and how fast your home is restored.
The decisions you make in the first 60 minutes after water damage determine how much you pay, how fast you recover, and whether your insurance claim succeeds. Here's the exact sequence of actions.
Most water damage insurance claim denials happen because homeowners make one of seven preventable mistakes. This guide shows you exactly what to do — and what to avoid — from the moment water appears.
The average water damage restoration costs $3,900 nationally — but ranges from $1,200 to $25,000+ depending on factors most homeowners don't know about before they call.
Reviewed by Marcus Reed, IICRC WRT · Last updated: 2026-07-10
HearthDry is an independent educational resource for Minnesota homeowners. Cost estimates reflect statewide averages. FEMA data is approximate — verify at fema.gov. Always confirm contractor licensing with Minnesota Department of Labor and Industry — Residential Building Contractor License required.
