Ogden, UT Flood Zone Map
Last updated: August 2026
Ogden faces flooding from the Ogden River, Weber River, and canyon drainages. The city's location at the base of the Wasatch Range makes it vulnerable to rapid snowmelt and thunderstorm-driven flash floods.
Weber County has recorded 88 NFIP flood insurance claims since 1978, totaling $321K 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
284
Weber County
Avg. Premium
$467/yr
Weber County
NFIP Flood Insurance Claims: Weber County
Properties in Weber County have filed 88 NFIP flood insurance claims totaling $321K in payouts since 1978. The average claim payout is $4K.
Highest-Claim Years
2017
9 claims - $38K
2023
8 claims - $44K
1983
7 claims - $50K
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced August 2026. See national claims data.
Flood Insurance Coverage: Weber County
Only roughly 1 in 365 households in Weber County carries NFIP flood insurance (0.3% of estimated households). With 18 recorded flood events and $1.5M in damage, most flood losses in this county are likely uninsured.
Penetration Rate
0.3%
roughly 1 in 365 households
Historical Claims Ratio
1 in 3
88 claims over 45+ years across 284 current policies
Avg. Claim Payout
$3,648
Per claim, county-wide since 1978
Historically, Weber County has averaged 1 claim for every 3 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 Ogden.
Not sure whether you're required to carry it? See do I need flood insurance?, or compare NFIP vs. private flood insurance.
Repetitive Loss Properties: Weber County
Weber County has 2 properties with multiple flood insurance losses, including 0 severe repetitive loss properties. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced August 2026.
Multiple Loss
2
2+ claims within 10 years
Severe Repetitive Loss
0
4+ claims or 2 exceeding value
Mitigated
0
Received FEMA mitigation
By Flood Zone
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced August 2026.
Federal Flood Disaster History: Weber County
Weber County has been included in 5 federal flood-related disaster declarations.
These declarations affected communities across Weber County, including Ogden.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced August 2026.
Recorded Flood Events: Weber County
NOAA has recorded 18 flood events in Weber County since 1996, causing $1.5M in damage and 1 death.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced August 2026.
Flood Mitigation: Weber County
FEMA has funded mitigation for 28 properties in Weber County, investing $1.1M in flood risk reduction. Common mitigation actions include acquisition (buying and demolishing flood-prone structures), elevation (raising buildings above flood level), and safe rooms (wind/storm shelters for tornado and hurricane protection).
By Action Type
Source: OpenFEMA Hazard Mitigation Assistance. Data sourced August 2026. FEMA records a total payment per grant rather than per property, so the dollar figure is an estimate that splits each grant across the properties it covers; the property count is exact.
FEMA Flood Risk Profile: Weber 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: $18.8M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
What Your Flood Zone Means in Ogden
Ogden is vulnerable to flash flooding, where intense rainfall overwhelms drainage systems and sends water rushing through streets, arroyos, or low-lying areas within minutes. Unlike river flooding, flash floods arrive with little warning and can be deadly in urban areas and desert terrain. The most common FEMA flood zone designations in Ogden are Zone AE, Zone AO, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $18.8M. Ogden has Zone AO areas subject to sheet-flow flooding, where shallow water spreads across broad, flat terrain rather than channeling through waterways.
Flash flood risk is difficult to predict by zone alone because intense localized rainfall can flood areas outside mapped SFHA boundaries. Under Risk Rating 2.0, FEMA accounts for distance to water, drainage characteristics, and rainfall intensity, not just the flood zone line on a map. 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.
Flash flood zone boundaries may shift when FEMA updates its stormwater drainage studies or when new development changes runoff patterns. Urbanization, in particular, increases impervious surface area and can expand flood risk into previously unaffected neighborhoods. Use our free lookup tool to check the current flood zone for any Ogden address.
Ogden, UT Flood Zone FAQ
What flood zones are in Ogden, UT?
The most common FEMA flood zones in Ogden are Zone AE, Zone AO, 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 Ogden?
If your Ogden 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 Ogden?
Enter your Ogden 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 Ogden?
Ogden is primarily affected by flash flooding from intense rainfall and rapid runoff. The most common FEMA flood zone designations are Zone AE, Zone AO, Zone X. Use the free lookup tool above to check the specific flood zone for any Ogden address.
Has Ogden experienced major flooding events?
Weber County, where Ogden is located, has been part of 5 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Flooding in 2011. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Ogden?
Weber County has recorded 88 NFIP flood insurance claims totaling $321K in payouts since 1978. The year with the most claims was 2017, with 9 claims and $38K in payouts. These figures cover all NFIP claims in the county, including Ogden.
How many flood insurance policies are there in Ogden?
Weber County had 284 NFIP flood insurance policies written or renewed over the trailing 13 months, with an average annual premium of $467. The most policies are in Zone X (171 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.
How many Ogden properties have flooded repeatedly?
Weber 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 Ogden 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 Ogden?
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 Ogden'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.
Other Utah Cities
Understanding Flood Zones
See the Flood Map for Any Ogden, UT Address
Enter a Ogden, UT 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.