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Minnesota's water damage risk is shaped significantly by the Red River of the North, which flows northward and has a documented history of severe flooding, including the catastrophic 1997 flood that overwhelmed the Fargo Moorhead and Grand Forks areas. The Mississippi River, which originates in Minnesota, and the Minnesota River both carry additional flood risk during spring snowmelt and heavy rain. Minnesota's many lakes and flat terrain in parts of the state can also slow drainage during major precipitation events.