Flood Risk & Insurance Costs in Clay County, MN
Understanding flood insurance options and risk factors in Clay County.
Median Home Value
$241,400
Est. NFIP Premium
$966/yr
Est. Private Premium
$725/yr
Potential Savings
$241/yr
NFIP vs. Private Flood Insurance
NFIP (Federal)
Private Flood Insurance
Flood Risk Context for Clay County
Clay County in Minnesota has a median home value of $241,400 and median household income of $75,006. A major flood event could cause up to $60,350 in damage to a median-value home.
Flood insurance costs vary significantly based on your specific flood zone, elevation, building characteristics, and claims history. The estimates above are county-level approximations. Use our calculator for a personalized analysis with a Monte Carlo simulation of 10,000 flood loss scenarios.
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