Midwest
Water damage restoration in Minnesota
Restoration companies in our network serve 473 Minnesota cities and 616 ZIP codes. Call and we'll connect you with one that covers yours.
Check a Minnesota ZIP
Minnesota water damage
What causes water damage in Minnesota
Minnesota coverage centers on Minneapolis-St. Paul and extends to Rochester and beyond. Extreme cold, heavy snow and spring melt drive most water damage. Ice dams, frozen pipes and wet basements are routine.
Ice dams
Heavy snow and cold create ice dams nearly every winter.
Frozen pipes
Deep cold freezes pipes in exterior walls and garages.
Spring melt
Snowmelt saturates soil and pushes water into basements.
Water damage risk by season in Minnesota
Minnesota's coldest months bring frozen pipes and ice dams, which are common on older homes with little attic insulation. Spring snowmelt drives river flooding, especially along the Red River and the Mississippi. Summer severe storms bring hail, wind and heavy rain, and basements take on water when the ground is saturated.
Licensing, permits and insurance in Minnesota
Minnesota requires residential building contractors and remodelers to be licensed by the Department of Labor and Industry. Permits come from the city.
FEMA records
Storm, flood and fire disasters in Minnesota since 2000
FEMA has issued 28 major disaster declarations in Minnesota for weather and fire events since 2000, and Minnesota policyholders filed 4,696 flood insurance claims through the National Flood Insurance Program in that time. Most homeowners policies exclude flooding from outside water, so those claims come from separate flood policies.
- Disaster declarations
- 28
- NFIP flood claims
- 4,696
- Severe Storm declarations
- 15
- Flood declarations
- 12
The incidents behind these declarations most often began in June, March and May.
Most recent declarations
- 2024Severe Storms and Flooding (DR-4797, flood)
- 2023Severe Storms and Flooding (DR-4722, flood)
- 2022Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4666, severe storm)
- 2022Severe Storms, Straight-Line Winds, and Flooding (DR-4659, flood)
Source: OpenFEMA disaster declarations and NFIP claims data, retrieved October 5, 2026. Counts include major disaster (DR) declarations for floods, storms, hurricanes, winter storms and fires, and exclude other incident types.
Counties with the most covered ZIP codes
- Hennepin County92 ZIPs · 20 cities
- Ramsey County37 ZIPs · 1 city
- St. Louis County37 ZIPs · 24 cities
- Stearns County35 ZIPs · 25 cities
- Wright County15 ZIPs · 15 cities
- Washington County14 ZIPs · 13 cities
- Mower County14 ZIPs · 14 cities
- Dakota County13 ZIPs · 11 cities
Minnesota metro pages
Local services in Minnesota
Minnesota city pages
Coverage
Minnesota cities we cover
Largest communities first. Coverage is by ZIP, so check yours above.
- Minneapolis
- St. Paul
- Rochester
- Duluth
- St. Cloud
- Lakeville
- Maple Grove
- Burnsville
- Eden Prairie
- Minnetonka
- Shakopee
- Mankato
- Cottage Grove
- Inver Grove Heights
- Andover
- Savage
- Chaska
- Prior Lake
- Rosemount
- Elk River
- Owatonna
- Austin
- Winona
- Chanhassen
- Faribault
- Farmington
- Champlin
- Hastings
- Northfield
- Forest Lake
- South Saint Paul
- Saint Michael
- Sartell
- Stillwater
- Hopkins
- Albert Lea
- Anoka
- Red Wing
- Welch
- Buffalo
All 473 covered Minnesota cities
Adams · Adrian · Afton · Akeley · Albany · Albert Lea · Albertville · Alborn · Alden · Aldrich · Alexandria · Altura · Amboy · Andover · Angora · Annandale · Anoka · Arlington · Askov · Audubon · Aurora · Austin · Avon · Babbitt · Backus · Bagley · Balaton · Barnum · Battle Lake · Bayport · Beaver Bay · Beaver Creek · Becker · Belgrade · Belle Plaine · Bemidji · Bertha · Bethel · Big Lake · Bigelow · Biwabik · Blooming Prairie · Blue Earth · Bluffton · Bock · Braham · Brewster · Bricelyn · Brimson · Britt · Brook Park · Brookston · Brooten · Browerville · Brownsdale · Brownsville · Brownton · Bruno · Buffalo · Buhl · Burnsville · Butterfield · Byron · Caledonia · Callaway · Cambridge · Cannon Falls · Canton · Canyon · Carlton · Carver · Cass Lake · Cedar · Center City · Champlin · Chandler · Chanhassen · Chaska · Chatfield · Chisago City · Chisholm · Circle Pines · Claremont · Clarissa · Clarks Grove · Clear Lake · Clearbrook · Clearwater · Cleveland · Cloquet · Cokato · Cold Spring · Collegeville · Cologne · Conger · Cook · Cosmos · Cottage Grove · Cotton · Courtland · Crane Lake · Cromwell · Crosby · Crosslake · Cushing · Dakota · Dalbo · Darfur · Darwin · Dassel · Dayton · Deer Creek · Deerwood · Delano · Delavan · Dennison · Dent · Detroit Lakes · Dexter · Dodge Center · Dover · Duluth · Dundas · Eagle Bend · Eagle Lake · Easton · Eden Prairie · Eden Valley · Edgerton · Eitzen · Elgin · Elk River · Elko New Market · Elkton · Ellendale · Ellsworth · Elmore · Elrosa · Ely · Elysian · Embarrass · Emily · Emmons · Esko · Eveleth · Excelsior · Eyota · Faribault · Farmington · Fergus Falls · Finland · Finlayson · Floodwood · Foley · Forbes · Forest Lake · Foreston · Fort Ripley · Fosston · Fountain · Frazee · Freeborn · Freeport · Frontenac · Frost · Fulda · Garden City · Gaylord · Geneva · Gibbon · Gilbert · Glencoe · Glenville · Gonvick · Good Thunder · Goodhue · Grand Meadow · Grandy · Grasston · Green Isle · Greenwald · Grove City · Hackensack · Hamburg · Hamel · Hampton · Hanover · Hardwick · Harmony · Harris · Hartland · Hastings · Hayfield · Hayward · Henderson · Henning · Henriette · Hewitt · Hibbing · Hills · Hinckley · Hitterdal · Hokah · Holdingford · Holland · Hollandale · Holyoke · Hope · Hopkins · Houston · Howard Lake · Hoyt Lakes · Hugo · Hutchinson · Ihlen · Independence · Inver Grove Heights · Iona · Iron · Ironton · Isabella · Isanti · Isle · Janesville · Jasper · Jordan · Kanaranzi · Kasota · Kasson · Kellogg · Kenneth · Kenyon · Kerrick · Kettle River · Kiester · Kilkenny · Kimball · Kinney · Knife River · La Crescent · La Salle · Lafayette · Lake Benton · Lake City · Lake Crystal · Lake Elmo · Lake George · Lake Park · Lake Wilson · Lakeland · Lakeville · Lanesboro · Lansing · Laporte · Le Center · Le Roy · Le Sueur · Leota · Lester Prairie · Lewiston · Lewisville · Lindstrom · Lismore · Litchfield · Long Lake · Lonsdale · Loretto · Luverne · Lyle · Mabel · Madelia · Madison Lake · Magnolia · Makinen · Mankato · Mantorville · Maple Grove · Maple Lake · Maple Plain · Mapleton · Marine On Saint Croix · Mayer · Mazeppa · Meadowlands · Medford · Melrose · Menahga · Mendota · Merrifield · Milaca · Millville · Minneapolis · Minnesota City · Minnesota Lake · Minnetonka · Montgomery · Monticello · Montrose · Moose Lake · Mora · Morristown · Mound · Mountain Iron · Nerstrand · Nevis · New Auburn · New Germany · New Munich · New Prague · New Richland · New York Mills · Newport · Nicollet · Nisswa · North Branch · Northfield · Norwood Young America · Oak Park · Odin · Ogema · Ogilvie · Onamia · Orono · Oronoco · Orr · Osage · Osakis · Osseo · Ostrander · Ottertail · Owatonna · Palisade · Park Rapids · Parkers Prairie · Paynesville · Pease · Pelican Rapids · Pemberton · Pequot Lakes · Perham · Peterson · Pillager · Pine City · Pine Island · Pine River · Pipestone · Plainview · Plato · Ponsford · Preston · Princeton · Prior Lake · Racine · Randolph · Reading · Reads Landing · Red Wing · Rice · Richmond · Richville · Rochert · Rochester · Rock Creek · Rockford · Rockville · Rogers · Rollingstone · Roscoe · Rose Creek · Rosemount · Rush City · Rushford · Rushmore · Ruthton · Saginaw · Saint Bonifacius · Saint Charles · Saint Clair · Saint Francis · Saint James · Saint Joseph · Saint Martin · Saint Michael · Saint Paul Park · Saint Peter · Saint Stephen · Sandstone · Sargeant · Sartell · Sauk Centre · Sauk Rapids · Savage · Sawyer · Scandia · Sebeka · Shafer · Shakopee · Shevlin · Side Lake · Silver Bay · Silver Lake · Slayton · Solway · Soudan · South Haven · South Saint Paul · Spring Grove · Spring Park · Spring Valley · St. Augusta · St. Cloud · St. Paul · Stacy · Stanchfield · Staples · Steen · Stewart · Stewartville · Stillwater · Sturgeon Lake · Taopi · Taylors Falls · Tower · Twin Lakes · Two Harbors · Tyler · Ulen · Utica · Vergas · Vermillion · Verndale · Vernon Center · Victoria · Virginia · Wabasha · Waconia · Wadena · Wahkon · Waite Park · Waldorf · Walker · Waltham · Wanamingo · Warsaw · Waseca · Watertown · Waterville · Watkins · Waubun · Waverly · Wayzata · Webster · Welch · Wells · West Concord · Willernie · Willow River · Wilmont · Winnebago · Winona · Winsted · Winthrop · Winton · Woodstock · Worthington · Wrenshall · Wright · Wykoff · Wyoming · Young America · Zimmerman · Zumbro Falls · Zumbrota
FAQ
Minnesota water damage questions
How do I check a Minnesota contractor license?
Use the Minnesota DLI license lookup.
What should I do if an ice dam leaks?
Don't chip ice. Have snow raked from the roof and dry any wet ceilings.
How often does Minnesota have federally declared storm, flood or fire disasters?
Since 2000, FEMA has issued 28 major disaster declarations in Minnesota for weather and fire events: 15 severe storms, 12 floods and 1 tornado. Over the same period, policyholders filed 4,696 flood insurance claims through the National Flood Insurance Program.
Services in Minnesota
Nearby: Illinois, Indiana, Iowa, Michigan, Missouri, Ohio, Wisconsin
Water where it shouldn't be?
Stop the source if you can, then call. We'll connect you with a local restoration company that serves your ZIP.
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