Flood insurance in Minnesota
Floods are, gladly, not a very common thing in US. They occur a couple times a year at max in the most floody areas, but that’s it. This aspect - that it’s a rare but essentially inevitable event - is why flood insurance in Minnesota is separated from a regular house insurance. So if you want your house to protected from damage caused by water - get Minnesota flood insurance and don’t rely on a howeowners insurance, it won’t do you any good. Another thing you have to know is how likely a flood is to happen in your area. If somewhat likely - it’s a definite yes to this insurance, because floods are incredibly destructive, even mild ones.