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FEMA flood zones · statewide

Utah Flood Zone Map

1,202 flood insurance claims·$8.1M paid·4,121 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 Utah. 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 Utah

Utah faces a flood risk defined predominantly by flash flooding, which accounts for the vast majority of recorded flood events and fatalities over the past three decades compared to standard riverine floods.

Federal disaster declarations reflect significant recent vulnerability, highlighted by multiple flooding declarations issued on May 1, 2023, as well as a severe storm declaration for straight-line winds on September 7, 2020. NOAA records from the last 30 years document 1,210 flash flood events resulting in 43 deaths, alongside 162 standard flood events and 5 deaths.

National Flood Insurance Program claims data show that financial losses extend across multiple FEMA zone categories. The highest claim counts are concentrated in zones categorized as UNKNOWN (455 claims totaling $3 million) and Zone X (347 claims totaling $2 million). However, Zone A exhibits the highest severity among major categories, with 233 claims totaling $2 million and an average payout of $18,843 per claim. Additional claims and payouts occurred in unshaded Zone X, shaded Zone X, and Zone D. This distribution indicates that while residents in high-risk Zone A face the costliest damages, property owners in unmapped or lower-risk zones also experience surprise claims, demonstrating that flood risk in Utah is not restricted to traditional floodplains.

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

Utah Flood Statistics

Total NFIP Claims
1,202
Total Claims Paid
$8.1M
Average Claim
$6,700
NFIP Policies in Force (Aug 31, 2026)
4,121
Average NFIP Premium (Aug 31, 2026)
$695/yr
Disaster Declarations
259
Peak Claims Year
1983 (245 claims)
Latest Disaster
MONROE CANYON FIRE (2025-07-13)

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.

Utah Disaster History

Utah has received 259 federal disaster declarations, including 107 flood and coastal storm declarations.

Where Utah’s flood claims are

  1. Salt Lake County406
  2. Davis County185
  3. Utah County105
  4. Weber County89
  5. Washington County64
  6. Millard County48
  7. Summit County46
  8. Cache County42
  9. Iron County23
  10. Box Elder County18

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 Utah

Properties in Utah 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).

Utah had 4,121 NFIP policies in force on August 31, 2026, and the average NFIP premium was $695 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. Utah 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 Utah →

Utah Counties (29)

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

Utah Cities (96)

Select a city to check flood zone information: