7 flood insurance claims·$90,130 paid·1 federal flood & hurricane disasters
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Fremont County, Idaho. 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.
Recurrent riverine flooding driven by snowmelt, heavy rains, and seasonal temperature shifts dominates the flood profile of Fremont County, Idaho, backed by 14 recorded flood events compared to 7 flash flood events over the last 30 years.
Historical events illustrate these seasonal risks. In June 2022, one to two inches of rain over 48 hours caused extensive flooding, washing out roads near Duck Creek and flooding areas in the Rea region, Yale Creek estates, and the Island Park Village Golf Course. Earlier, in February 2017, extreme winter snowfall followed by above-normal temperatures caused minor flooding in low-lying areas across the county that persisted into March.
Properties located near creeks, mountain snowpack runoff routes, and low-lying areas should pay the most attention to these hazards. Additionally, NFIP records show seven claims in Zone X—an area traditionally considered lower risk—with an average payout of $22,532 and an average recorded water depth of three inches, demonstrating that homes outside designated high-risk flood zones also experience damaging water accumulation.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
In flood insurance claims here that reported a flood depth, the average was 3 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.
The worst year was 2023, with 4 claims and $49,625 paid.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
5 NOAA storm reports from Fremont County describe what happened, in the words of the forecasters who covered it. Read the Idaho flood stories →
5 federal disaster declarations since 1976, 1 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Hurricane Katrina | Aug 29, 2005 |
| Severe Storms, Snowmelt, Land/mud Slides, Flooding | Mar 14, 1997 |
| Dam Collapse, Flooding | Jun 6, 1976 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
21 since 1996: 7 flash floods and 14 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Jul 15, 2025 | — |
| Flood | Jun 13, 2022 | $10,000 |
| Flash Flood | Aug 13, 2022 | $15,000 |
| Flash Flood | Jun 17, 2018 | — |
| Flood | Mar 14, 2018 | $55,000 |
| Flood | Feb 5, 2017 | $131,000 |
| Flood | Mar 10, 2012 | $55,000 |
| Flash Flood | Jul 8, 2011 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Jul 15, 2025. Widespread thunderstorm damage and severe wind speeds occurred on the 15th.
Flood · Jun 13, 2022. One to 2 inches of rain fell in Fremont County over a 48 hour period and caused extensive flooding. A lot of flooding in the Rea area in the Yale Creek estates and Shotgun Complex areas north of Kilgore Yale Road. Flooding reported at Island Park Village Golf Course. Rushing water flooded private roads/driveways i Pine Crest area. Red Rock Pass Road and Forest Service Road 58 washed out near Duck Creek. Yal…
Flash Flood · Aug 13, 2022. Extremely heavy rain fell with several reports of 1 to 3 inches falling. Flash flooding was widespread across southeasy Idaho.
Flash Flood · Jun 17, 2018. Flooding with heavy rain and large hail was reported in Fremont, Madison, and Bear Lake Counties.
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Fremont County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.
Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.