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FEMA flood zones · statewide

Alaska Flood Zone Map

804 flood insurance claims·$16.4M paid·3,229 policies in force

Coastal high risk (V, VE)FloodwayHigh risk (A, AE)Moderate (X, 500-year)Minimal (X)Undetermined (D)

Shaded areas are FEMA’s mapped flood hazard zones in and around Alaska. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.

Flood Risk in Alaska

Alaska experiences a mixed flood-risk profile dominated by standard riverine and general floods, alongside significant coastal and flash flood threats. Over the past 30 years, NOAA data records 429 general flood events resulting in 2 deaths, accompanied by 68 coastal flood events, 49 storm surge or tide events, and 44 flash flood events that caused 6 deaths.

This risk environment encompasses both inland and coastal impacts, highlighted by recent federal disaster declarations for severe storms, flooding, and the remnants of Typhoon Halong. These severe weather patterns drive the complex mix of riverine inundation and coastal storm surge affecting the state.

The National Flood Insurance Program claim distribution shows that Zone A carries the heaviest burden, accounting for 490 claims and $10 million in total payments with an average of $28,820, indicating that properties in high-risk special flood hazard areas require insurance most. Meanwhile, surprise claims occur outside primary zones, notably in Zone X with 170 claims totaling $5 million and an average payout of $39,977, as well as 56 unshaded Zone X claims totaling $1 million. Lower claim volumes appear in unshaded zones, unknown categories, Zone D, and Zone V, but financial loss outside designated high-risk zones remains evident.

Summary generated from FEMA disaster declarations, NOAA storm events, and NFIP claim data. Updated quarterly.

Alaska Flood Statistics

Total NFIP Claims
804
Total Claims Paid
$16.4M
Average Claim
$20,343
NFIP Policies in Force (Aug 31, 2026)
3,229
Average NFIP Premium (Aug 31, 2026)
$435/yr
Disaster Declarations
354
Peak Claims Year
2012 (66 claims)
Latest Disaster
SEVERE STORMS, FLOODING, AND REMNANTS OF TYPHOON HALONG (2025-10-08)

Source: OpenFEMA NFIP Claims, Policies, and Disaster Declarations data. NFIP policies in force and average premium (premium plus federal policy fee) as of August 31, 2026, from OpenFEMA.

Alaska Disaster History

Alaska has received 354 federal disaster declarations, including 73 flood and coastal storm declarations.

Where Alaska’s flood claims are

  1. Fairbanks North Star Borough244
  2. Juneau City and Borough102
  3. Matanuska-Susitna Borough87
  4. Kenai Peninsula Borough83
  5. Anchorage Municipality81
  6. Yukon-Koyukuk Census Area72
  7. Bethel Census Area45
  8. Nome Census Area25
  9. Ketchikan Gateway Borough11
  10. Northwest Arctic Borough11

NFIP claims by county, 1978 to date. Source: OpenFEMA. Counties ranked by recorded flood events →

The zones you’ll see on the map

Cross-section of a river floodplainDiagram: a river valley. The floodway is the channel and the land beside it; the 1%-annual-chance flood surface (the base flood elevation) covers the valley floor as zone A or AE; a narrow band higher up is shaded X, the 0.2% floodplain; higher ground is X.0.2% CHANCE A YEAR (500-YEAR)BASE FLOOD ELEVATION · 1% A YEARXAEFloodwayAEX
  1. A / AE Inside the 1%-a-year floodplain: about a 26% chance of flooding over a 30-year mortgage. AE has a mapped base flood elevation; plain A does not.
  2. Floodway The channel and the land beside it that has to be kept clear enough to carry the flood. Building here is tightly limited.
  3. X shaded The 0.2% (500-year) floodplain, plus some levee-protected and very shallow flood areas.
  4. X Outside both lines. No federal requirement to insure, which is not the same as no risk.

Every flood zone code explained →

Flood Insurance in Alaska

Properties in Alaska FEMA-designated Special Flood Hazard Areas (zones A and V) with a mortgage from a federally regulated or insured lender, or a federally backed loan, are required to carry flood insurance through the National Flood Insurance Program (NFIP).

Alaska had 3,229 NFIP policies in force on August 31, 2026, and the average NFIP premium was $435 a year (premium plus the federal policy fee; the reserve fund assessment and HFIAA surcharge come on top, and nationally they make actual bills about a quarter higher). Under FEMA’s Risk Rating 2.0 each building is priced on its own flood risk, so a state average says little about what any one home will pay.

Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from properties outside the high-risk Special Flood Hazard Area. Alaska residents can purchase flood insurance through the NFIP or private insurers.

Visit FloodSmart.gov to find an agent and get a quote.

See the most flood-prone counties in Alaska →

Alaska Counties (30)

Select a county to view local flood zone data and disaster history:

Alaska Cities (24)

Select a city to check flood zone information: