Home›States›Wyoming
FEMA flood zones · statewide

Wyoming Flood Zone Map

561 flood insurance claims·$3.8M paid·1,557 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 Wyoming. 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 Wyoming

Wyoming experiences a mixed flood risk profile dominated by flash flood events, which accounted for 373 occurrences and 5 deaths over the last thirty years, alongside 196 standard flood events resulting in 1 death.

Federal disaster declarations confirm recurring flood impacts in the state, including flooding events on May 24, 2015, June 7, 2017, and June 15, 2023, as well as a severe winter storm and straight-line winds declaration on February 6, 2017. These recorded incidents underscore the state's vulnerability to severe weather and sustained high-water conditions.

National Flood Insurance Program records indicate that Zone A bears the heaviest financial burden, recording 220 claims totaling $2 million paid with an average of $18,834 per claim. Meanwhile, surprise claims and payouts occur across moderate- and low-risk designations. Zone X recorded 113 claims averaging $8,571, unshaded Zone X recorded 106 claims totaling $1 million with an average of $8,123, shaded Zone X recorded 48 claims averaging $6,240, unknown zones recorded 70 claims averaging $4,974, and Zone D recorded 5 claims averaging $3,455. This distribution demonstrates that while high-risk A zones face the highest average costs, residents outside traditional high-risk boundaries also experience claims and should evaluate their exposure.

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

Wyoming Flood Statistics

Total NFIP Claims
561
Total Claims Paid
$3.8M
Average Claim
$6,708
NFIP Policies in Force (Aug 31, 2026)
1,557
Average NFIP Premium (Aug 31, 2026)
$997/yr
Disaster Declarations
136
Peak Claims Year
1985 (81 claims)
Latest Disaster
RED CANYON FIRE (2025-08-15)

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.

Wyoming Disaster History

Wyoming has received 136 federal disaster declarations, including 25 flood and coastal storm declarations.

Where Wyoming’s flood claims are

  1. Laramie County192
  2. Sheridan County74
  3. Natrona County57
  4. Carbon County34
  5. Teton County24
  6. Campbell County22
  7. Sweetwater County22
  8. Park County19
  9. Fremont County17
  10. Albany County16

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 Wyoming

Properties in Wyoming 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).

Wyoming had 1,557 NFIP policies in force on August 31, 2026, and the average NFIP premium was $997 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. Wyoming 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 Wyoming →

Wyoming Counties (23)

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

Wyoming Cities (17)

Select a city to check flood zone information: