Enter any Wyoming address to see its FEMA flood zone designation
Wyoming's flood risk is characterized by a significant number of flash flood events. Over the past 30 years, NOAA data shows 373 flash flood events, resulting in 5 fatalities, alongside 196 general flood events which caused 1 death.
Recent federal disaster declarations highlight the recurring nature of flooding in the state, with declarations for "FLOODING" in June 2023 and multiple instances in June 2017. Another declaration in May 2015 specifically noted "SEVERE STORMS AND FLOODING." These events underscore that flood risk is a present concern across Wyoming.
National Flood Insurance Program (NFIP) claims data indicates that properties in FEMA Zone A have incurred the most financial losses, with 186 claims totaling $2 million. However, claims have also occurred in zones designated X_UNSHADED and X, suggesting that flood insurance may be prudent for residents even outside of high-risk coastal or riverine areas. Notably, zones X, UNKNOWN, X_SHADED, and D have had claims with $0 paid out, indicating a lack of financial recovery through NFIP for those specific instances.
Summary generated from FEMA disaster declarations, NOAA storm events, and NFIP claim data. Updated quarterly.
Source: OpenFEMA NFIP Claims, Policies, and Disaster Declarations data.
Wyoming has received 136 federal disaster declarations, including 25 flood and coastal storm declarations.
FEMA designates flood zones across Wyoming 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 Wyoming 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 Wyoming is approximately $834 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. 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 →
Select a county to view local flood zone data and disaster history: