Wyoming Flood Zone Map
Last updated: August 2026
Wyoming faces flooding from spring snowmelt in mountain river systems, flash flooding from intense thunderstorms, and ice jam flooding. The North Platte, Wind, Bighorn, and Snake rivers are primary flood sources, and mountain valleys are vulnerable to rapid-onset flooding.
3 communities participate in FEMA's Community Rating System, qualifying residents for flood insurance discounts of up to 15%.
Wyoming has recorded 561 NFIP flood insurance claims since 1978, totaling $3.8M in payouts. See how Wyoming compares in our nationwide NFIP claims data breakdown.
FEMA Region
Region 8
Also covers Colorado, Montana, North Dakota, +2 more
NFIP Policies
1,886
Policies effective in the trailing 13 months (July 1, 2025 - August 16, 2026), not a certified point-in-time count
WY Avg. Premium
$919/yr
National average: $915/yr
NFIP Flood Insurance Claims
Wyoming properties have filed 561 NFIP flood insurance claims totaling $3.8M in payouts since 1978. The average claim payout in 2025 was $9,000.
Recent Years
Claims by Decade
Highest-Claim Years
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced August 2026. See national claims data.
Flood Insurance Coverage in Wyoming
Only roughly 1 in 121 households in Wyoming carries NFIP flood insurance (0.8% of estimated households). 21 of 23 counties have elevated flood risk but low insurance coverage. With 551 recorded flood events and $68.6M in damage, many flood losses in this state are likely uninsured.
Penetration Rate
0.8%
roughly 1 in 121 households
Historical Claims Ratio
1 in 3
561 claims over 45+ years across 1,886 current policies
Avg. Claim Payout
$6,708
Per claim, state-wide since 1978
Historically, Wyoming 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.
Repetitive Loss Properties in Wyoming
Wyoming has 15 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
15
2+ claims within 10 years
Severe Repetitive Loss
0
4+ claims or 2 exceeding value
Mitigated
0
Received FEMA mitigation
By Flood Zone
Zone data available for 14 of 15 properties.
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced August 2026.
Flood Insurance Discounts in Wyoming
3 Wyoming communities participate in FEMA's Community Rating System (CRS), earning flood insurance premium discounts for residents in Special Flood Hazard Areas. CRS classes in Wyoming range from 7 to 8, with discounts from 10% to 15%.
Source: FEMA Community Rating System, April 2026. Discounts apply to NFIP policies only. CRS classes and discounts are subject to change.
Federal Flood Disaster History
Wyoming has received 7 federal disaster declarations for flooding, hurricanes, severe storms, and coastal storms.
Declarations by Decade
Recent Declarations
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced August 2026.
Recorded Flood Events in Wyoming
NOAA has recorded 551 flood events in Wyoming since 1996, causing an estimated $68.6M in property and crop damage and 6 deaths.
Total Events
551
Total Damage
$68.6M
Fatalities
6
Events by Decade
Costliest Events
Source: NOAA Storm Events Database, 1996-2026. Data sourced August 2026.
Flood Mitigation in Wyoming
FEMA has funded mitigation for 523 properties in Wyoming, investing $9.3M 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).
Properties by Action
Mitigation by Decade
Source: OpenFEMA Hazard Mitigation Assistance Mitigated Properties. 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 in Wyoming
The USACE National Levee Database lists 3 levee systems protecting parts of 2 Wyoming cities. 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 (PAL) systems generally leave their protected area in the SFHA.
By Accreditation Status
Largest Protected Areas
City Of Casper/Garden Creek Right
Non-AccreditedProtects: Casper - Flood source: Garden Creek - 0.02 sq mi
Crow Creek Levee
AccreditedProtects: Cheyenne - Flood source: Crow Creeek - 0.02 sq mi
City Of Casper/Garden Creek Left
Non-AccreditedProtects: Casper - Flood source: Garden Creek - 0.02 sq mi
Source: USACE National Levee Database. Data sourced August 2026. Learn how levees affect flood zone mapping.
Wyoming Flood Risk Overview
County-level risk ratings from FEMA's National Risk Index across 23 Wyoming counties.
Inland Flood Risk
0 of 23 counties rated high or very high
Source: FEMA National Risk Index, county-level assessment.
Wyoming Cities
Explore flood zone information for major cities in Wyoming.
Wyoming Flood Zone FAQ
How do I check if my Wyoming property is in a flood zone?
Enter your WY address in FludZone's free lookup tool. We query FEMA's National Flood Hazard Layer in real-time to show your flood zone designation, whether flood insurance is required, and your property's risk level.
Do I need flood insurance in Wyoming?
If your Wyoming property is in a Special Flood Hazard Area (SFHA), meaning zones starting with A or V, 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 subject to the federal mandate but lenders may still require coverage, and it is often recommended given Wyoming's flood history.
What are the most common flood zones in Wyoming?
The most common FEMA flood zone designations in Wyoming are Zone AE, Zone A, Zone X. Each zone reflects a different level of flood risk, from high-risk areas where flood insurance is generally required for federally regulated or government-backed mortgages to lower-risk areas where coverage is optional but recommended.
Can I remove my Wyoming property from a flood zone?
Yes, if your Wyoming property's natural ground elevation was always above the Base Flood Elevation and FEMA inadvertently mapped it in the SFHA, you can apply for a Letter of Map Amendment (LOMA) through FEMA. For properties in Wyoming's AE and A zones, the LOMA process is relatively straightforward when the elevation data supports it. If your property was raised above the BFE with fill, the process is a LOMR-F. A successful LOMA generally removes the federal mandatory flood insurance requirement, but your lender may still choose to require coverage. You'll need an elevation certificate from a licensed surveyor.
Do any Wyoming communities offer flood insurance discounts?
Yes, 3 Wyoming communities participate in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for exceeding minimum flood mitigation standards. Residents in participating communities can receive NFIP premium discounts of up to 15% in the Special Flood Hazard Area. Properties outside the SFHA also benefit: CRS classes 1 through 6 receive a 10% discount, and classes 7 through 9 receive a 5% discount on NFIP premiums. Check your city's page on FludZone to see if your community participates.
How much does flood insurance cost in Wyoming?
The average NFIP flood insurance premium in Wyoming is $919 per year across 1,886 active policies. Premiums vary by zone: Zone X policies average $736/yr. Under FEMA's Risk Rating 2.0, your specific premium depends on property type, elevation relative to the Base Flood Elevation, and distance to water, not just your flood zone designation.
How many NFIP flood insurance claims has Wyoming had?
Wyoming has recorded 561 NFIP flood insurance claims totaling $3.8M in payouts since 1978. The highest-claim year was 1985, with 81 claims and $603K in payouts. This history reflects cumulative flood damage to Wyoming properties across decades of storm and rainfall events.
How many Wyoming properties have flooded repeatedly?
Wyoming has 15 properties with multiple flood losses. Of these, 0 are classified as Severe Repetitive Loss, meaning they have experienced four or more NFIP claims of $5,000 or more, or two or more claims where the total exceeds the building value. 0 of these properties have been mitigated.
What percentage of Wyoming homes have flood insurance?
Only roughly 1 in 121 households in Wyoming carries NFIP flood insurance (0.8% of estimated households). 21 counties in Wyoming have elevated flood risk but low insurance coverage, indicating a significant protection gap.
Are there levees protecting Wyoming cities?
Yes. The USACE National Levee Database lists 3 levee systems protecting parts of 2 Wyoming cities. 1 is FEMA-accredited (generally mapped as Zone X), 2 are non-accredited (the protected area stays in the SFHA), and 0 are provisionally accredited (PAL, accreditation in progress). Levee protection is system-specific, not citywide - check a specific city's page or use the address search above for the zone at a specific property.
Understanding Flood Zones
Learn more about the FEMA flood zone designations common in Wyoming.
See the Flood Map for Any Wyoming Address
Enter a WY 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.