How Much Does Flood Insurance Cost in Duluth, MN?
Duluth pricing is 12% below the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Duluth's diversified economy.See our methodology
Flood Insurance Pricing in Duluth, MN
Duluth is one of the more affordable markets for flood insurance, with costs running about 12% below the national average. The city's diversified economy and balanced labor market create favorable conditions for competitive pricing. Getting multiple quotes from the 90K-population metro area is straightforward.
Local climate plays a direct role in flood insurance costs here. Harsh winters and hot summers mean year-round service needs; freeze-thaw cycles affect foundations.
Market-specific factors matter in Duluth: moderate cost of living keeps contractor rates affordable.
Duluth has moderate permitting requirements. Depending on the scope of your flood insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Duluth vs National Average
What Affects Flood Insurance Cost in Duluth?
Flood Zone
Low-to-moderate risk (Zone X): $400-$800/year. High risk (Zone A/AE): $1,000-$3,000+/year. Coastal (Zone V): $2,000-$5,000+/year
NFIP Risk Rating 2.0
FEMA's new rating system (since 2021) bases premiums on specific property characteristics, distance to water, and flood frequency. Rates vary widely
Coverage
NFIP max: $250,000 building + $100,000 contents. Excess/private flood: higher limits available
Duluth Market Conditions
moderate cost of living keeps contractor rates affordable
Local Climate Impact
harsh winters and hot summers mean year-round service needs; freeze-thaw cycles affect foundations
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Top-Rated Flood Insurance Pros in Duluth, MN
7 providersQuality Property Services
⭐ PREMIUMServing Duluth and surrounding areas since 2004. Licensed, insured, and committed to quality workmanship at fair prices.
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Tips to Save on Flood Insurance in Duluth
- 1.An elevation certificate ($200-$600) may prove your home is lower risk than mapped, reducing premiums significantly
- 2.NFIP rates are standardized but private flood insurers may offer 20-50% lower rates
- 3.Raise utilities and HVAC above base flood elevation to lower premiums
- 4.Your community's CRS (Community Rating System) participation can provide 5-45% discounts
📈 Flood Insurance in Duluth Cost Trends (2020–2024)
Prices have increased +17.9% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $672 | — |
| 2021 | $700 | +4.2% |
| 2022 | $746 | +6.6% |
| 2023 | $767 | +2.8% |
| 2024 | $792 | +3.3% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Flood Insurance in Duluth
Recent Reports
Frequently Asked Questions
Do I need flood insurance?
Required if you have a federally-backed mortgage in a high-risk flood zone (A or V zones). Even in lower-risk areas, 25-30% of all flood claims come from outside high-risk zones. The average flood claim is over $50,000. With no flood insurance, you'll pay out of pocket or rely on limited FEMA assistance.
Does homeowners insurance cover flooding?
No — standard homeowners insurance explicitly excludes flood damage. This is the single most common coverage gap homeowners discover after a disaster. Flood insurance must be purchased separately through NFIP or a private insurer. There's a 30-day waiting period before coverage begins.
Why does flood insurance cost different in Duluth than other cities?
Duluth's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
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