Enter any Alaska address to see its FEMA flood zone designation
Alaska experiences a mixed flood risk profile, with a significant number of flood events recorded over the last 30 years, alongside coastal flooding and storm surge events. Flash floods have also contributed to the state's flood-related incidents, with a notable number of fatalities associated with this type of event.
Recent federal disaster declarations highlight severe storms and flooding, including the remnants of Typhoon Halong, impacting the state. While specific regional impacts are not detailed, the presence of coastal flood and storm surge events suggests a vulnerability along Alaska's extensive coastline. Inland flooding, indicated by the general flood and flash flood event types, also poses a risk.
National Flood Insurance Program data indicates that Zone A areas have the highest number of claims and the largest total payout for flood damage. However, Zone X areas, including X_UNSHADED, show a higher average claim payout than Zone A, suggesting that flood damage can occur and be costly even in areas not designated as high-risk. Claims in Zone X_SHADED, UNKNOWN, D, and V zones, while fewer, also represent instances where flood damage has been reported, underscoring the need for awareness across various flood risk designations.
Summary generated from FEMA disaster declarations, NOAA storm events, and NFIP claim data. Updated quarterly.
Source: OpenFEMA NFIP Claims, Policies, and Disaster Declarations data.
Alaska has received 354 federal disaster declarations, including 73 flood and coastal storm declarations.
FEMA designates flood zones across Alaska using the following classifications:
AE High Risk — 1% annual chance of flooding (100-year floodplain). Insurance required for federal mortgages.
VE Very High Risk — Coastal flooding with wave action. Strictest building codes.
X (Shaded) Moderate Risk — 500-year floodplain. Insurance recommended.
X Low Risk — Outside major floodplains. Insurance optional but advisable — from 2014 to 2024, nearly one-third of NFIP claims came from outside high-risk zones.
Properties in Alaska FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance through the National Flood Insurance Program (NFIP).
The average NFIP premium in Alaska is approximately $785 per year. Rates vary significantly based on flood zone, building elevation, and coverage amount.
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.
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