8 flood insurance claims·$81,913 paid·3 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 Kane County, 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.
Flash flooding from summer thunderstorms dominates the flood risk profile in Kane County. Over the last 30 years, the NOAA Storm Events Database recorded 201 flash flood events resulting in 3 deaths, compared to 7 traditional flood events resulting in 4 deaths. Heavy rainfall events are frequently driven by cutoff low-pressure systems and seasonal moisture surges advecting into southern Utah. For example, a cutoff low combined with sufficient moisture produced locally heavy rainfall and flash flooding on September 28, 2025, while an early September moisture surge resulted in isolated flash flooding on September 4, 2025. Similar conditions caused flash flooding over rain-sensitive areas on July 17, 2025.
Federal insurance data reflects flood claims across multiple zones. Zone A accounts for 3 claims with an average payout of $47,821 and an average recorded water depth of 0 inches. Zone X (Unshaded) accounts for 3 claims with an average payout of $9,638 and an average recorded water depth of 2 inches. Standard Zone X accounts for 2 claims with an average payout of $7,409 and an average recorded water depth of 12 inches. Homeowners, real estate agents, and journalists monitoring properties in designated Special Flood Hazard Areas like Zone A, as well as properties in moderate-to-low risk Zone X areas, should pay the closest attention to these localized flash flood hazards.
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 5 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 2016, with 2 claims and $47,821 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.
17 NOAA storm reports from Kane County describe what happened, in the words of the forecasters who covered it. Read the Utah flood stories →
8 federal disaster declarations since 1977, 3 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Shingle Fire | Jul 2, 2012 |
| Severe Winter Storm And Flooding | Dec 20, 2010 |
| Hurricane Katrina Evacuation | Aug 29, 2005 |
| Flooding And Landslides | Apr 28, 2005 |
| Severe Storms And Flooding | Jan 8, 2005 |
| Drought | Jan 20, 1977 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
208 since 1996: 201 flash floods and 7 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Sep 28, 2025 | — |
| Flash Flood | Aug 26, 2025 | — |
| Flash Flood | Jul 17, 2025 | — |
| Flash Flood | Oct 15, 2025 | — |
| Flash Flood | Oct 12, 2025 | — |
| Flash Flood | Oct 11, 2025 | — |
| Flash Flood | Oct 9, 2025 | $5,000 |
| Flash Flood | Sep 6, 2025 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Sep 28, 2025. A fairly weak cutoff low slowly ejected northward through the area over the course of several days. This feature in combination with sufficient moisture created an environment that supported several days of shower and thunderstorm development. Some of these storms produced locally heavy rainfall and flash flooding, as well as some strong wind gusts.
Flash Flood · Aug 26, 2025. Showers and thunderstorms brought flash flooding to portions of southern Utah.
Flash Flood · Jul 17, 2025. A weak northern stream shortwave trough moving through the northwest CONUS resulted in the development of high based convection. Some of this convection resulted in strong to severe wind gusts. Additionally, a cutoff low placed off of the southwest CONUS helped advect moisture into southern Utah, leading to convection with periods of sufficiently heavy rain to result in flash flooding over some rain sensitive areas.
Flash Flood · Oct 15, 2025. Flash flooding was reported along the Paria River in southern Utah.
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 Kane 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.