Gillette, WY Flood Zone Lookup
Last updated: March 2026
Gillette faces flash flooding from Donkey Creek and other drainages in the Powder River Basin. Intense thunderstorms in the semiarid terrain can produce rapid runoff and dangerous flash floods.
Campbell County has recorded 22 NFIP flood insurance claims since 1978, totaling $38K 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
26
Campbell County
Avg. Premium
$624/yr
Campbell County
FEMA Flood Risk Profile: Campbell 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: $6.5M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Campbell County
Campbell County has been included in 1 federal flood-related disaster declaration.
These declarations affected communities across Campbell County, including Gillette.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Campbell County
Properties in Campbell County have filed 22 NFIP flood insurance claims totaling $38K in payouts since 1978. The average claim payout is $2K.
Highest-Claim Years
1978
12 claims - $29K
1982
7 claims - $2K
2007
1 claims - $6K
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
Flood Insurance Coverage: Campbell County
Only roughly 1 in 715 households in Campbell County carries NFIP flood insurance (0.1% of estimated households). With 25 recorded flood events and $645K in damage, most flood losses in this county are likely uninsured.
Penetration Rate
0.1%
roughly 1 in 715 households
Historical Claims Ratio
1 in 1
22 claims over 45+ years across 26 current policies
Avg. Claim Payout
$1,727
Per claim, county-wide since 1978
Historically, Campbell 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 Gillette.
What Your Flood Zone Means in Gillette
Gillette 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 Gillette are Zone AE, Zone A, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $6.5M.
With both riverine and urban stormwater flood risk, insurance costs in Gillette 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 Gillette 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 Gillette address.
Recorded Flood Events: Campbell County
NOAA has recorded 25 flood events in Campbell County since 1996, causing $645K in damage and 1 death.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced March 2026.
Gillette, WY Flood Zone FAQ
What flood zones are in Gillette, WY?
The most common FEMA flood zones in Gillette 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 Gillette?
If your Gillette 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 Gillette?
Enter your Gillette 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 Gillette?
Gillette is primarily affected by river overflow combined with urban drainage challenges. The most common FEMA flood zone designations are Zone AE, Zone A, Zone X. Use the free lookup tool above to check the specific flood zone for any Gillette address.
Has Gillette experienced major flooding events?
Campbell County, where Gillette is located, has been part of 1 federal disaster declaration for flooding, hurricanes, or severe storms. The most recent was Severe Storms, Flooding & Mudslides in 1978. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Gillette?
Campbell County has recorded 22 NFIP flood insurance claims totaling $38K in payouts since 1978. The year with the most claims was 1978, with 12 claims and $29K in payouts. These figures cover all NFIP claims in the county, including Gillette.
How many flood insurance policies are active in Gillette?
Campbell County currently has 26 active NFIP flood insurance policies with an average annual premium of $624. The most policies are in Zone AE (15 policies). These figures cover all active NFIP policies in the county.
Can my Gillette 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 Gillette?
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 Gillette'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 Gillette, WY Address
Enter a Gillette, 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.