Flood history · Stephen, MN 56757
Flood insurance claims in Stephen, MN 56757
181 claims since 1978 and $1.6 million paid. Here's what the public record shows, and how to check a specific address.
Claims by year
Every NFIP flood insurance claim reported in ZIP 56757 since 1978.
What the record says
Almost all claims here (93%) were on properties in high-risk zones (A or V). In those zones, federally regulated lenders require flood insurance.
One event dominates the record: Not a named storm accounts for 43% of all claims in this ZIP code.
No claims were recorded in the last 10 years. Older floods still show what the area can do.
The most commonly recorded cause is tidal water overflow: coastal surge and high tides.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Not a named storm | 1979 | 77 | 43% |
| Unnamed flooding | 1997 | 49 | 27% |
| Winter storm | 2009 | 1 | 1% |
| Severe flooding | 2001 | 1 | 1% |
Flood zone at time of claim
Federal disaster declarations in Marshall County
Flood, hurricane and storm declarations since 2000.
13 flood, storm or hurricane declarations for Marshall County since 2000.
Check a specific address in Stephen.
ZIP-level history is the backdrop. See the official FEMA flood zone, ground elevation and next steps for one property, free.
Sources: FEMA OpenFEMA NFIP Redacted Claims (v3) and Disaster Declarations Summaries, FEMA NFIP Community Status Book; place names from GeoNames (CC BY 4.0). Data as of 2026-10-09. Payments are net building + contents payments in dollars at the time paid, not adjusted for inflation. Claims are grouped by the ZIP code reported on the claim. This product uses the FEMA OpenFEMA API but is not endorsed by FEMA. Information only; not an official flood zone determination or insurance advice.
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