Twin Falls, ID Flood Zone Map
Last updated: August 2026
Twin Falls sits above the Snake River Canyon and faces localized flooding from Rock Creek and Perrine Coulee. Spring snowmelt from the surrounding mountains drives seasonal flood risk.
Twin Falls County has recorded 16 NFIP flood insurance claims since 1978, totaling $25K 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
90
Twin Falls County
Avg. Premium
$489/yr
Twin Falls County
NFIP Flood Insurance Claims: Twin Falls County
Properties in Twin Falls County have filed 16 NFIP flood insurance claims totaling $25K in payouts since 1978. The average claim payout is $2K.
Highest-Claim Years
1979
4 claims - $5K
1993
2 claims - $1K
2014
2 claims - $6K
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced August 2026. See national claims data.
Flood Insurance Coverage: Twin Falls County
Only roughly 1 in 395 households in Twin Falls County carries NFIP flood insurance (0.3% of estimated households). With 10 recorded flood events and $2.5M in damage, most flood losses in this county are likely uninsured.
Penetration Rate
0.3%
roughly 1 in 395 households
Historical Claims Ratio
1 in 6
16 claims over 45+ years across 90 current policies
Avg. Claim Payout
$1,563
Per claim, county-wide since 1978
Historically, Twin Falls County has averaged 1 claim for every 6 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 August 2026, claims since 1978 (August 2026), population from FEMA NRI. All figures are county-wide and include Twin Falls.
Not sure whether you're required to carry it? See do I need flood insurance?, or compare NFIP vs. private flood insurance.
Federal Flood Disaster History: Twin Falls County
Twin Falls County has been included in 2 federal flood-related disaster declarations.
These declarations affected communities across Twin Falls County, including Twin Falls.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced August 2026.
Recorded Flood Events: Twin Falls County
NOAA has recorded 10 flood events in Twin Falls County since 1996, causing $2.5M in damage.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced August 2026.
FEMA Flood Risk Profile: Twin Falls County
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
Relatively LowEst. annual loss: $7.6M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
What Your Flood Zone Means in Twin Falls
Twin Falls faces flood risk primarily from river and stream overflow during heavy rainfall, snowmelt, or upstream dam releases. When rivers exceed their banks, floodwaters spread across low-lying areas mapped in AE and A zones. The most common FEMA flood zone designations in Twin Falls are Zone AE, Zone A, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $7.6M.
Riverine flood risk in Twin Falls is driven by the proximity and elevation of properties relative to nearby waterways. Properties closer to rivers with lower ground elevations typically face higher flood insurance premiums under FEMA's Risk Rating 2.0. 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.
River flood maps can change when FEMA conducts new Flood Insurance Studies or when development alters drainage patterns. Letters of Map Amendment (LOMA) can remove individual properties if the natural ground elevation was always above the Base Flood Elevation and the property was inadvertently mapped in the SFHA. Use our free lookup tool to check the current flood zone for any Twin Falls address.
Twin Falls, ID Flood Zone FAQ
What flood zones are in Twin Falls, ID?
The most common FEMA flood zones in Twin Falls are Zone AE, Zone A, 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 Twin Falls?
If your Twin Falls 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 about a quarter of all NFIP flood claims come from properties outside high-risk zones.
How do I check my flood zone in Twin Falls?
Enter your Twin Falls 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 Twin Falls?
Twin Falls is primarily affected by river and stream overflow during heavy rainfall. The most common FEMA flood zone designations are Zone AE, Zone A, Zone X. Use the free lookup tool above to check the specific flood zone for any Twin Falls address.
Has Twin Falls experienced major flooding events?
Twin Falls County, where Twin Falls is located, has been part of 2 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Severe Winter Storms and Flooding in 2017. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Twin Falls?
Twin Falls County has recorded 16 NFIP flood insurance claims totaling $25K in payouts since 1978. The year with the most claims was 1979, with 4 claims and $5K in payouts. These figures cover all NFIP claims in the county, including Twin Falls.
How many flood insurance policies are there in Twin Falls?
Twin Falls County had 90 NFIP flood insurance policies written or renewed over the trailing 13 months, with an average annual premium of $489. The most policies are in Zone AE (36 policies). These are county-level counts of policies written or renewed in the trailing 13 months, not a point-in-time count of policies in force - a policy renewed inside that window is counted twice.
Can my Twin Falls 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 Twin Falls?
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 Twin Falls's Zone AE 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.
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See the Flood Map for Any Twin Falls, ID Address
Enter a Twin Falls, ID address to view its FEMA flood map, 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 August 2026 and may not reflect the most recent changes. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.