Wyoming
flood insurance data

NFIP premiums in Wyoming

NFIP premiums: what NFIP policyholders paid, not a quote. Across 1,356 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $1,075, and half of them fall between $775 (Q1) and $1,324 (Q3).

Residential NFIP policies counted by FEMA fell 19.3% between 2019 (1,680) and 2025 (1,356); the first year, 2019, has the highest count of the 7. Inside the Special Flood Hazard Area (SFHA), the median premium in Wyoming is $1,140, 9.1% higher than outside it ($1,045); most of its zoned policies sit inside the SFHA (55.8%).

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 1,356 policies.

NFIP paid building claims in Wyoming

NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 57 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, 2015, holds 29.8% of them.

Paid claims by year of loss

FEMA disaster declarations

Since 2000: 7 flood, hurricane and severe-storm declarations (DR and EM) covering Wyoming, 7 of them major disaster declarations.

Latest declarations

• DR-4739: FLOODING (Flood, 2023-09-11)
• DR-4327: FLOODING (Flood, 2017-08-05)
• DR-4306: SEVERE WINTER STORM AND STRAIGHT-LINE WINDS (Severe Storm, 2017-03-21)
• DR-4227: SEVERE STORMS AND FLOODING (Flood, 2015-07-07)
• DR-4007: SEVERE STORMS, FLOODING, AND LANDSLIDES (Severe Storm, 2011-07-22)

FEMA assistance to homeowners

Since 2002: 327 owner registrations inspected by FEMA in Wyoming 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-4227, SEVERE STORMS AND FLOODING (declared 2015-07-07): 199 inspections
• DR-1599, TORNADO (declared 2005-08-22): 128 inspections

NFIP communities and flood maps

FEMA’s Community Status Book lists 102 NFIP communities in Wyoming: 85 participate in the NFIP and 6 (5.9%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 7 (Cheyenne, City of and Douglas, City of): FEMA applies its CRS discount to the full-risk premium of Regular Program NFIP policies in those communities, 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 Wyoming dates from 1975-08-15 (Glendo, Town of). 17 of these communities do not participate in the NFIP; 17 carry a sanction, 1 coded as a suspension and 0 as a withdrawal.

Questions about flood insurance in Wyoming

How much is flood insurance in Wyoming?

NFIP policyholders in Wyoming paid a median of $1,075 for residential policies effective 2025 (1,356 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $775 and $1,324; $1,140 inside the Special Flood Hazard Area against $1,045 outside it: what NFIP policyholders paid, not a quote.

Is Wyoming in a flood zone?

Of the residential NFIP policies of Wyoming (policies effective 2025), 754 are rated inside the Special Flood Hazard Area and 598 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

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).