Insurance Federation of Minnesota

04/30/2026

Only 6,532 homes are insured for flooding in MN - that’s just 0.25% of eligible homes, down from 0.30% a year ago. Check with your insurance agent for cost and coverage. Remember - there's a 30-day waiting period before the policy takes effect.

04/27/2026

It's raining across much of the state today. Under Minnesota law, your headlights must be on. Daytime running lights are not enough. When your headlights are on, your taillights are activated so drivers behind you can see your vehicle in the rain and road spray.

04/16/2026

Sirens will sound across Minnesota today as part of Severe Weather Awareness Week.

It’s a test—but it’s also a reminder.

New data shows our storm recovery systems are under unprecedented strain, making preparation more important than ever.

Take a few minutes to:
✔ Review your insurance coverage
✔ Understand your deductible
✔ Make sure your family has a plan

Don’t wait for the storm.

👉 Read more: bit.ly/4szVwRa

04/14/2026

Storm season has officially arrived in Southern Minnesota. 🌪️ With reports of 3.5-inch hail and confirmed tornadoes, the Insurance Federation of Minnesota is reminding homeowners to follow this recovery roadmap:

Step 1: Call your insurer. Review your policy limits and get your claim number.

Step 2: Document everything. Take photos and videos of all damage before repairs begin.

Step 3: Secure your property. Board up windows or cover roof holes to prevent further damage—but only if it's safe!

IMPORTANT: Storm-scamming contractors try to separate you from your money. Don't sign a contract until you’ve done your homework! 🏠✅ READ MORE: https://bit.ly/4cJNlNd

Send a message to learn more

04/13/2026

Protect your home before the storm hits, if it's safe to do so. Bring in or secure patio furniture, grills, garbage cans, and tools. Anchor heavier items and make sure gutters and downspouts are firmly attached. Check your sump pump. Move cars into a garage if possible. More consumer tips here: https://bit.ly/4dM7PpB

Send a message to learn more

04/13/2026

New data shows Minnesota is ranked fourth in the nation—trailing only Texas, Illinois, and Missouri—with 1.8 million homes at moderate or greater risk of hail damage. It would cost $899 BILLION to rebuild those structures from scratch at today’s prices for materials and labor. You can't control the weather, but you can take actions before storms hit. Read more about what you can do today -> bit.ly/4szVwRa

04/12/2026

As Severe Weather Awareness Week begins tomorrow, Minnesotans are being reminded just how quickly conditions can change, with severe storms possible Monday.

New research reinforces what many communities are experiencing:
Recovery after major storms is becoming more complex and more strained.

The good news: preparation still makes a big difference. Start here:
➡️ Review your insurance coverage

Because when severe weather hits, the best response starts before the storm. READ our News Release, including practical tips: bit.ly/4szVwRa

Monday is looking nasty in Minnesota, with a threat of baseball-sized hail and tornadoes. The latest: https://bringmethenews.com/minnesota-weather/monday-severe-weather-in-minnesota-tornadoes-and-baseball-sized-hail-possible

04/10/2026

Next week (April 13–17) is Severe Weather Awareness Week in Minnesota. 🌪️ Our state sits in a "Major Weather Collision Zone," and new research shows that our recovery systems are facing unprecedented strain. That makes your preparation more critical than ever. Don't wait for the storm to check your insurance coverage. Read the full news release here: bit.ly/4szVwRa

04/09/2026

If you have a phone in your hand, you are doing it wrong. The rule is simple when driving – just drive. There's extra distracted driving enforcement in April. Keep your hands on the wheel and reduce the risk of a ticket or a costly crash. Park.The.Phone.

03/17/2026

Homeowners insurance typically doesn't cover damage caused by flooding from external sources like overflowing rivers, heavy rain, or water rising from the ground. A separate flood insurance policy is required to cover these events. https://bit.ly/4lJxOQr

https://www.cbsnews.com/minnesota/news/rapid-snow-melt-protect-home-flooding-advice/

Heavy snow followed by bitter cold hit Minnesotans with a double whammy of winter. The good news is spring-like weather is right around the corner, but its quick arrival could spell trouble for homeowners.