Juneau, AK Flood Zone Lookup
Last updated: March 2026
Juneau faces glacial outburst flood risk from the Mendenhall Glacier as well as heavy rainfall-driven flooding. Steep terrain channels water rapidly into developed areas along Gastineau Channel.
Juneau Borough has recorded 101 NFIP flood insurance claims since 1978, totaling $4.9M in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 10
NFIP Policies
1,251
Juneau Borough
Avg. Premium
$296/yr
Juneau Borough
FEMA Flood Risk Profile: Juneau Borough
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Very LowEst. annual loss: $1.8M
Coastal Flood Risk
Very LowEst. annual loss: $14K
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Juneau Borough
Juneau Borough has been included in 1 federal flood-related disaster declaration.
These declarations affected communities across Juneau Borough, including Juneau.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Juneau Borough
Properties in Juneau Borough have filed 101 NFIP flood insurance claims totaling $4.9M in payouts since 1978. The average claim payout is $49K.
Highest-Claim Years
2024
34 claims - $2.6M
2025
16 claims - $653K
2023
10 claims - $1.1M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
Flood Insurance Coverage: Juneau Borough
Only roughly 1 in 10 households in Juneau Borough carries NFIP flood insurance (10% of estimated households). This county has elevated flood risk with below-average insurance coverage, meaning many flood losses may go uninsured.
Penetration Rate
10%
roughly 1 in 10 households
Historical Claims Ratio
1 in 13
101 claims over 45+ years across 1,251 current policies
Avg. Claim Payout
$48,525
Per claim, county-wide since 1978
Historically, Juneau Borough has averaged 1 claim for every 13 active policies (since 1978). This compares cumulative claims against today's policy count and does not predict future claim likelihood.
Coverage data: NFIP policies as of March 2026, claims since 1978 (March 2026), population from FEMA NRI. All figures are county-wide and include Juneau.
What Your Flood Zone Means in Juneau
Juneau faces a combination of coastal and inland flood risks. Storm surge from hurricanes and tropical storms pushes seawater inland, while heavy rainfall simultaneously overwhelms rivers, bayous, and drainage infrastructure. This dual threat means flooding can come from multiple directions at once. The most common FEMA flood zone designations in Juneau are Zone AE, Zone VE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $1.8M. Properties in Juneau's VE zones face additional wave action risk beyond still-water flooding, which typically results in higher insurance premiums and stricter building requirements.
Combined coastal and inland flood exposure in Juneau means properties may face higher premiums than areas with only one flood source. FEMA's Risk Rating 2.0 accounts for multiple flood sources, including coastal surge distance, river proximity, and rainfall-driven flooding. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
Flood maps in areas with combined coastal and inland risk are among the most complex in the FEMA system. Major storms often trigger FEMA restudies that can significantly shift zone boundaries. Letters of Map Revision (LOMR) after hurricanes may expand SFHA coverage as new storm data is incorporated. Use our free lookup tool to check the current flood zone for any Juneau address.
Repetitive Loss Properties: Juneau Borough
Juneau Borough has 14 properties with multiple flood insurance losses, including 1 severe repetitive loss properties. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced March 2026.
Multiple Loss
14
2+ claims within 10 years
Severe Repetitive Loss
1
4+ claims or 2 exceeding value
Mitigated
0
Received FEMA mitigation
By Flood Zone
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced March 2026.
Juneau, AK Flood Zone FAQ
What flood zones are in Juneau, AK?
The most common FEMA flood zones in Juneau are Zone AE, Zone VE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Juneau?
If your Juneau property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since over 40% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Juneau?
Enter your Juneau address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
What type of flooding affects Juneau?
Juneau is primarily affected by both coastal storm surge and inland flooding. The most common FEMA flood zone designations are Zone AE, Zone VE, Zone X. Use the free lookup tool above to check the specific flood zone for any Juneau address.
Has Juneau experienced major flooding events?
Juneau Borough, where Juneau is located, has been part of 1 federal disaster declaration for flooding, hurricanes, or severe storms. The most recent was Flooding in 2024. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Juneau?
Juneau Borough has recorded 101 NFIP flood insurance claims totaling $4.9M in payouts since 1978. The year with the most claims was 2024, with 34 claims and $2.6M in payouts. These figures cover all NFIP claims in the county, including Juneau.
How many flood insurance policies are active in Juneau?
Juneau Borough currently has 1,251 active NFIP flood insurance policies with an average annual premium of $296. The most policies are in Zone X (1,003 policies). These figures cover all active NFIP policies in the county.
How many Juneau properties have flooded repeatedly?
Juneau Borough has 14 properties with multiple flood losses on record, including 1 severe repetitive loss properties. These are properties that have experienced four or more NFIP claims of $5,000+ or two claims exceeding the building value.
Can my Juneau property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in Juneau?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In Juneau's Zone AE and Zone VE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
Understanding Flood Zones
Look Up Any Juneau, AK Address
Enter a Juneau, AK address to instantly check its FEMA flood zone designation, SFHA status, and insurance requirements.
Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on March 2026 and may not reflect the most recent changes. This page is for informational purposes only and is not a certified flood zone determination. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.