Provo, UT Flood Zone Map
Last updated: August 2026
Provo faces flooding from Provo River and canyon drainages from the Wasatch Mountains. Spring snowmelt can cause prolonged flooding along the Provo River, and flash floods in the canyons threaten foothill neighborhoods.
Utah County has recorded 105 NFIP flood insurance claims since 1978, totaling $505K 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
882
Utah County
Avg. Premium
$537/yr
Utah County
NFIP Flood Insurance Claims: Utah County
Properties in Utah County have filed 105 NFIP flood insurance claims totaling $505K in payouts since 1978. The average claim payout is $5K.
Highest-Claim Years
1983
19 claims - $216K
1984
16 claims - $88K
2013
7 claims - $34K
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced August 2026. See national claims data.
Flood Insurance Coverage: Utah County
Only roughly 1 in 295 households in Utah County carries NFIP flood insurance (0.3% of estimated households). With 36 recorded flood events and $7.2M in damage, most flood losses in this county are likely uninsured.
Penetration Rate
0.3%
roughly 1 in 295 households
Historical Claims Ratio
1 in 8
105 claims over 45+ years across 882 current policies
Avg. Claim Payout
$4,810
Per claim, county-wide since 1978
Historically, Utah County has averaged 1 claim for every 8 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 Provo.
Not sure whether you're required to carry it? See do I need flood insurance?, or compare NFIP vs. private flood insurance.
Flood Insurance Discount: Provo
Provo 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 8
SFHA Premium Discount
10% off
CRS classes range from 1 (best) to 10 (no discount). Provo's Class 8 rating means NFIP policyholders in the SFHA can receive up to a 10% discount on their flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Source: FEMA Community Rating System, April 2026. Discounts apply to NFIP policies only.
Federal Flood Disaster History: Utah County
Utah County has been included in 5 federal flood-related disaster declarations.
These declarations affected communities across Utah County, including Provo.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced August 2026.
Recorded Flood Events: Utah County
NOAA has recorded 36 flood events in Utah County since 1996, causing $7.2M in damage.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced August 2026.
Flood Mitigation: Utah County
FEMA has funded mitigation for 86 properties in Utah County, investing $44.1M 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.
Levee Protection: Provo
The USACE National Levee Database lists 12 levee systems protecting parts of Provo. A system's FEMA accreditation status determines how its protected area is mapped: accredited levees are typically mapped as Zone X, while non-accredited or provisionally accredited systems generally leave their protected area in the Special Flood Hazard Area (often Zone AR or A99) until certification is complete.
West side of Provo River (D/S of carterville rd)
AccreditedProtects against: Provo River - Sponsor: City of Provo - 0.27 sq mi protected
East side of Provo River (upstream of 2230 N St)
Non-AccreditedProtects against: Provo River - Sponsor: City of Provo - 0.03 sq mi protected
West side of Provo River (near 2550 N St)
AccreditedProtects against: Provo River - Sponsor: City of Provo - 0.08 sq mi protected
West side of Provo River(btw university and state)
AccreditedProtects against: Provo River - Sponsor: City of Provo - 0.14 sq mi protected
East side of Provo River (upstream of state st)
AccreditedProtects against: Provo River - Sponsor: City of Provo - 0.03 sq mi protected
East side of Provo River (D/S of columbia ln)
AccreditedProtects against: Provo River - Sponsor: City of Provo - 0.09 sq mi protected
...and 6 more systems tracked in the database.
Source: USACE National Levee Database. Data sourced August 2026. Learn how levees affect flood zone mapping.
FEMA Flood Risk Profile: Utah 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 ModerateEst. annual loss: $63.9M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
What Your Flood Zone Means in Provo
Provo 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 Provo are Zone AE, Zone AO, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $63.9M. Provo 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 Provo address.
Provo, UT Flood Zone FAQ
What flood zones are in Provo, UT?
The most common FEMA flood zones in Provo 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 Provo?
If your Provo 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 Provo?
Enter your Provo 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 Provo offer flood insurance discounts?
Yes. Provo participates in FEMA's Community Rating System (CRS) with a Class 8 rating, qualifying residents in the Special Flood Hazard Area for up to a 10% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Has Provo experienced major flooding events?
Utah County, where Provo is located, has been part of 5 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Flooding in 2023. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Provo?
Utah County has recorded 105 NFIP flood insurance claims totaling $505K in payouts since 1978. The year with the most claims was 1983, with 19 claims and $216K in payouts. These figures cover all NFIP claims in the county, including Provo.
How many flood insurance policies are there in Provo?
Utah County had 882 NFIP flood insurance policies written or renewed over the trailing 13 months, with an average annual premium of $537. The most policies are in Zone AE (475 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.
Is Provo protected by a levee?
Yes. The USACE National Levee Database lists 12 levee systems protecting parts of Provo. Some of these are FEMA-accredited and some are not - accreditation status varies by system, and only the accredited ones map their protected area as Zone X. Levee protection is system-specific, not city-wide - check the address search above for the zone at a specific property.
Can my Provo 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 Provo?
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 Provo'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 Provo, UT Address
Enter a Provo, 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.