Bountiful, Utah Flood Zones
Last updated: March 2026
Bountiful faces flooding near the Great Salt Lake and from mountain runoff in Davis County. Spring snowmelt and intense thunderstorms produce rapid runoff from the Wasatch Range foothills.
Davis County has recorded 185 NFIP flood insurance claims since 1978, totaling $1.1M in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 8
NFIP Policies
392
Davis County
Avg. Premium
$327/yr
Davis County
FEMA Flood Risk Profile: Davis 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: $16.3M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Davis County
Davis County has been included in 3 federal flood-related disaster declarations.
These declarations affected communities across Davis County, including Bountiful.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Davis County
Properties in Davis County have filed 185 NFIP flood insurance claims totaling $1.1M in payouts since 1978. The average claim payout is $6K.
Highest-Claim Years
1984
70 claims - $754K
1983
25 claims - $118K
1985
11 claims - $11K
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
Flood Insurance Coverage: Davis County
An estimated 0.3% of households in Davis County carry NFIP flood insurance. This county has elevated flood risk but very low insurance coverage, indicating a significant protection gap.
Penetration Rate
0.3%
Claims Ratio
1 in 2
policies have filed a claim
Avg. Claim Payout
$5,757
Derived from FEMA NRI population data and OpenFEMA NFIP policy/claims records.
Repetitive Loss Properties: Davis County
Davis County has 2 properties with multiple flood losses, including 0 severe repetitive loss properties.
Multiple Loss
2
Severe Rep. Loss
0
Mitigated
0
By Flood Zone
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced March 2026.
Recorded Flood Events: DAVIS County
NOAA has recorded 13 flood events in DAVIS County since 1996, causing $1.7M in damage.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced March 2026.
Flood Mitigation: Davis County
FEMA has funded mitigation for 61 properties in Davis County, investing $182K in flood risk reduction.
By Action Type
Source: OpenFEMA Hazard Mitigation Assistance. Data sourced March 2026.
What Your Flood Zone Means in Bountiful
Bountiful faces multiple inland flood threats, including riverine flooding from nearby waterways and flash flooding from intense rainfall overwhelming urban drainage systems. Properties near river corridors face the highest risk, but stormwater backup can affect neighborhoods well outside the mapped floodplain. The most common FEMA flood zone designations in Bountiful are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $16.3M.
With both riverine and urban stormwater flood risk, insurance costs in Bountiful depend heavily on a property's elevation relative to nearby waterways and the local drainage infrastructure. FEMA's Risk Rating 2.0 prices in multiple inland flood sources rather than relying on the flood zone line alone. 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 zone boundaries in Bountiful can shift when FEMA updates its Flood Insurance Studies or when upstream development changes how water moves through the watershed. New stormwater infrastructure or dam modifications can also trigger map revisions. Use our free lookup tool to check the current flood zone for any Bountiful address.
Flood Insurance Discount: Bountiful
Bountiful participates in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for flood mitigation efforts beyond minimum NFIP requirements. Residents in the Special Flood Hazard Area may qualify for reduced flood insurance premiums.
CRS Class
Class 9
SFHA Premium Discount
5% off
CRS classes range from 1 (best) to 10 (no discount). Bountiful's Class 9 rating means NFIP policyholders in the SFHA can receive up to a 5% discount on their flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Source: FEMA Community Rating System, October 2025. Discounts apply to NFIP policies only.
Bountiful, UT Flood Zone FAQ
What flood zones are in Bountiful, UT?
The most common FEMA flood zones in Bountiful are Zone AE, 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 Bountiful?
If your Bountiful 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 Bountiful?
Enter your Bountiful 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.
Does Bountiful offer flood insurance discounts?
Yes. Bountiful participates in FEMA's Community Rating System (CRS) with a Class 9 rating, qualifying residents in the Special Flood Hazard Area for up to a 5% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Has Bountiful experienced major flooding events?
Davis County, where Bountiful is located, has been part of 3 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Hurricane Katrina Evacuation in 2005. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Bountiful?
Davis County has recorded 185 NFIP flood insurance claims totaling $1.1M in payouts since 1978. The year with the most claims was 1984, with 70 claims and $754K in payouts. These figures cover all NFIP claims in the county, including Bountiful.
How many flood insurance policies are active in Bountiful?
Davis County currently has 392 active NFIP flood insurance policies with an average annual premium of $327. The most policies are in Zone X (319 policies). These figures cover all active NFIP policies in the county.
How many Bountiful properties have flooded repeatedly?
Davis County has 2 properties with multiple flood losses on record, including 0 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 Bountiful 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 Bountiful?
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 Bountiful'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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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.