Cheyenne, WY Flood Zone Lookup
Last updated: March 2026
Cheyenne faces flash flooding from intense thunderstorms that produce rapid runoff over the semiarid terrain. Crow Creek and Dry Creek channel floodwaters through the city during heavy rainfall events.
Laramie County has recorded 192 NFIP flood insurance claims since 1978, totaling $970K 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
285
Laramie County
Avg. Premium
$754/yr
Laramie County
FEMA Flood Risk Profile: Laramie 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: $13.3M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Laramie County
Laramie County has been included in 1 federal flood-related disaster declaration.
These declarations affected communities across Laramie County, including Cheyenne.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Laramie County
Properties in Laramie County have filed 192 NFIP flood insurance claims totaling $970K in payouts since 1978. The average claim payout is $5K.
Highest-Claim Years
1985
77 claims - $593K
1982
16 claims - $48K
1983
11 claims - $61K
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
Flood Insurance Coverage: Laramie County
Only roughly 1 in 139 households in Laramie County carries NFIP flood insurance (0.7% of estimated households). With 92 recorded flood events and $160K in damage, most flood losses in this county are likely uninsured.
Penetration Rate
0.7%
roughly 1 in 139 households
Historical Claims Ratio
1 in 1
192 claims over 45+ years across 285 current policies
Avg. Claim Payout
$5,052
Per claim, county-wide since 1978
Historically, Laramie County has averaged 1 claim for every active policy (since 1978). This compares cumulative claims against today's policy count and does not predict future claim likelihood.
Coverage data: NFIP policies as of March 2026, claims since 1978 (March 2026), population from FEMA NRI. All figures are county-wide and include Cheyenne.
What Your Flood Zone Means in Cheyenne
Cheyenne 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 Cheyenne are Zone AE, Zone A, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $13.3M.
With both riverine and urban stormwater flood risk, insurance costs in Cheyenne 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 Cheyenne 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 Cheyenne address.
Repetitive Loss Properties: Laramie County
Laramie County has 7 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 March 2026.
Multiple Loss
7
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 March 2026.
Recorded Flood Events: Laramie County
NOAA has recorded 92 flood events in Laramie County since 1996, causing $160K in damage.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced March 2026.
Flood Mitigation: Laramie County
FEMA has funded mitigation for 398 properties in Laramie County, investing $110K 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 March 2026.
Flood Insurance Discount: Cheyenne
Cheyenne 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 7
SFHA Premium Discount
15% off
CRS classes range from 1 (best) to 10 (no discount). Cheyenne's Class 7 rating means NFIP policyholders in the SFHA can receive up to a 15% 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.
Cheyenne, WY Flood Zone FAQ
What flood zones are in Cheyenne, WY?
The most common FEMA flood zones in Cheyenne 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 Cheyenne?
If your Cheyenne 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 Cheyenne?
Enter your Cheyenne 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 Cheyenne offer flood insurance discounts?
Yes. Cheyenne participates in FEMA's Community Rating System (CRS) with a Class 7 rating, qualifying residents in the Special Flood Hazard Area for up to a 15% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Has Cheyenne experienced major flooding events?
Laramie County, where Cheyenne is located, has been part of 1 federal disaster declaration for flooding, hurricanes, or severe storms. The most recent was Severe Storms, Hail & Flooding in 1985. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Cheyenne?
Laramie County has recorded 192 NFIP flood insurance claims totaling $970K in payouts since 1978. The year with the most claims was 1985, with 77 claims and $593K in payouts. These figures cover all NFIP claims in the county, including Cheyenne.
How many flood insurance policies are active in Cheyenne?
Laramie County currently has 285 active NFIP flood insurance policies with an average annual premium of $754. The most policies are in Zone X (139 policies). These figures cover all active NFIP policies in the county.
How many Cheyenne properties have flooded repeatedly?
Laramie County has 7 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 Cheyenne 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 Cheyenne?
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 Cheyenne'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.
Understanding Flood Zones
Look Up Any Cheyenne, WY Address
Enter a Cheyenne, WY address to instantly check its FEMA flood 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 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.