Utah
flood insurance data

NFIP premiums in Utah

NFIP premiums: what NFIP policyholders paid, not a quote. Across 3,106 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $676, and half of them fall between $468 (Q1) and $1,016 (Q3).

Inside the Special Flood Hazard Area (SFHA), the median premium in Utah is $773, 27.8% higher than outside it ($605); most of its zoned policies sit outside it (60.3%). With 3,106 residential NFIP policies effective 2025, Utah has the 7th fewest of 53 States and territories. Of the 3 zones listed (X, AE, A), zone AE has the highest median premium ($800) and zone X the lowest ($605). No coastal V or VE zone is listed.

By flood zone

Policies in force by year

Base of each count: the yearly figures are FEMA API counts of residential policy terms, every premium included; the median and quartiles rest on the policies effective 2025 with a positive policyCost. For 2025 both bases count 3,106 policies.

NFIP paid building claims in Utah

NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 99 paid claims. Fewer than 100 paid claims: no median or quartiles are published.

The paid claims are spread over the years (year of loss 2015-2024): the busiest, 2023, holds 37.4% of them.

Paid claims by year of loss

FEMA disaster declarations

Since 2000: 10 flood, hurricane and severe-storm declarations (DR and EM) covering Utah, 10 of them major disaster declarations.

Latest declarations

• DR-4948: COTTONWOOD FIRE, FLOODING, AND MUDSLIDES (Flood, 2026-10-07)
• DR-4752: FLOODING (Flood, 2023-12-23)
• DR-4578: STRAIGHT-LINE WINDS (Severe Storm, 2021-01-12)
• DR-4311: SEVERE WINTER STORMS AND FLOODING (Flood, 2017-04-21)
• DR-4088: SEVERE STORM AND FLOODING (Flood, 2012-11-03)

FEMA assistance to homeowners

Since 2002: 550 owner registrations inspected by FEMA in Utah after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.

Disasters with the most inspections

• DR-4548, EARTHQUAKE AND AFTERSHOCKS (declared 2020-07-09): 550 inspections

NFIP communities and flood maps

FEMA’s Community Status Book lists 254 NFIP communities in Utah: 229 participate in the NFIP and 13 (5.1%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 6 (ST. George, City of): FEMA applies its CRS discount to the full-risk premium of Regular Program NFIP policies in that community, inside or outside the SFHA, not to the whole state; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in Utah dates from 1974-12-20 (Loa, Town of). 25 of these communities do not participate in the NFIP; 25 carry a sanction, 2 coded as a suspension and 0 as a withdrawal.

Questions about flood insurance in Utah

How much is flood insurance in Utah?

NFIP policyholders in Utah paid a median of $676 for residential policies effective 2025 (3,106 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $468 and $1,016; $773 inside the Special Flood Hazard Area against $605 outside it: what NFIP policyholders paid, not a quote.

Is Utah in a flood zone?

Of the residential NFIP policies of Utah (policies effective 2025), 1,230 are rated inside the Special Flood Hazard Area and 1,867 outside it (zones listed: X, AE, A), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.

Related tools

NFIP paid claims and premiums are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.

To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.

Before using these figures

A state figure mixes very different counties and flood zones. Method and limits.

Source and notice

• 0 residential 2025 policies with policyCost <= 0 or empty are left out; 9 kept policies have zone D or an unknown zone (in n, not in the zone tables).

This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).