Compare Rates and Save on Home Insurance


Homeowners and renters insurance policies do not always include flood insurance. But it offers a level of protection that will greatly benefit those who live in flood-prone areas and wish to protect themselves from flood damage repair costs. That is especially true for those who live near creeks.

Even for Utah residents not living in a high flood-risk area, it helps to be prepared as more Americans remain at risk for flooding. The Federal Emergency Management Agency (FEMA) estimates that an inch of water can cost up to $25,000 in damage.

Flood insurance rates are based on property address, building characteristics and replacement cost and coverage.

business icon

Private companies offer additional flood coverage in Utah that the NFIP does not.

insurance2 icon

Flood insurance provides financial assistance, shielding you from costly expenses. However, it’s important to get enough coverage since flood damage can quickly add up.

house icon

Even homes in a low-risk flood area can experience a flood event, making insurance important for everyone.

Average Cost of Flood Insurance in Utah

Utah flood insurance is around $731 annually, with an average coverage amount of $279,460. It is lower than the national average of $767 a year. That may be driven by Utah not having many flood-prone areas, making insurers see this area as low-risk.

Average Cost of Flood Insurance by County in Utah

Flood insurance in Utah costs an average of $731 per year, less than the national average, but the cost varies by county. The most expensive county for flood insurance is Carbon County at roughly $2,512 a year, and the cheapest flood insurance in Utah is in Juab County at around $367 a year.

In the table below, you can view the average cost of flood insurance in every Utah county.

Utah Flood Insurance Cost per County
Average Cost























































Companies That Offer Flood Insurance in Utah

The NFIP and private insurance companies offer flood insurance to renters and homeowners to help with disaster recovery. Flood insurance protects your building structure and belongings from damage caused by outside flooding.

Private companies offer a base policy similar to the NFIP, but they may also provide supplemental coverage in the form of an excess policy to cover a building’s value if it exceeds the policy limit of $250,000 set by the NFIP.

If you live outside an NFIP community or need more than $250,000 in coverage, a private flood insurance company is your best choice.

Private Flood Insurance Providers in UT and Their Contact Numbers

Neptune Flood


Aon Private Flood


Hiscox - FloodPlus


FloodSimple Insurance Services




Zurich Insurance Group


Swiss Re

(800) 227-4805

Berkshire Hathaway


Private Market Flood




Flood insurance is also provided by NFIP partner insurance companies. The government initiative enables owners and renters to protect themselves from flood losses while working with providers within the agency’s network. See the table below for a list of insurance companies that participate in the NFIP.

NFIP-Participating Flood Insurance Providers in State and Their Contact Numbers

Allstate Insurance Company

(800) 527-2634

American Family Mutual Ins. Co

(800) 692-6326

American Nat. Prop. & Casualty

(417) 887-4990

American Strategic Ins. Corp.

(866) 274-8765


(800) 423-4403

Auto Owners Insurance Co.

Refer to the Agent locator

Farmers Insurance Group

(866) 865-2965

Hartford Fire Insurance Co.

(860) 547-7440

Hartford Underwriters Ins. Co.

(800) 296-7542

Homesite Insurance Company

(800) 466-3748

Liberty Mutual Fire Insurance Company

(800) 283-6033

National General Insurance Co

(800) 462-2123

NFIP Direct Servicing Agent

(800) 638-6620

NGM Insurance Company

(603) 352-4000

Occidental Fire & Casualty

(800) 780-8423

Pacific Specialty Insurance Company


Philadelphia Indemnity Ins. Co

(877) 672-7945 ext. 8295

Privilege Underwriters

(888) 813-7873

QBE Insurance Corporation

(877) 372-3996

USAA General Indemnity Company

(210) 531-USAA (8722)

Westfield Insurance Company

(800) 243-0210

Wright National Flood Ins. Co.

(866) 373-5663

How to Purchase Flood Insurance and Its Coverage Requirements

There are no special requirements to get flood insurance in Utah. You can start by calling the NFIP hotline at 877-336-2627 or a private insurance company or contacting an insurance agent you already trust. It is ideal to get your policy as soon as possible because the NFIP has a 30-day waiting period, and private insurance companies in Utah may impose a 10-day waiting period. The company agent you speak with can confirm your policy’s effective date.

What Does Flood Insurance Cover in Utah?

An inch of water can cause damages of up to $25,000. Having flood insurance can shield property owners from the expensive cost of repairing or replacing building structures and replacing their lost personal belongings.

rain icon

The term “flood” refers to the water damage caused by a natural phenomenon or weather event. This insurance does not cover the flooding caused by broken pipes, leaking appliances or other water damage.

Flood insurance predominantly protects infrastructure and belongings. It may not cover damages to pools, decks, landscaping, basement items and vehicles. However, buyers who are looking to cover their cars in flood should look into comprehensive insurance.

Flood Insurance Building Coverage

Since this aspect of any property is critical to making sure it is safe to live in, a fair coverage amount is needed. With the NFIP, people can purchase a flood policy with coverage of up to $250,000.

Flood insurance covers the following building structures:

  • Foundation walls
  • Electrical systems
  • Plumbing systems
  • Furnaces, central heating and air conditioning
  • Built-in appliances
  • Permanent carpets
  • Built-in furniture

Flood Insurance Contents Coverage

Property owners need their personal belongings for daily activities such as work and hygiene. Recovering these items is essential to recuperating from any peril. An NFIP flood insurance policy can cover up to $100,000 worth of property contents.

Flood insurance can cover the following items:

  • Clothing
  • Furniture
  • Electronic equipment
  • Washers and dryers
  • Artwork

Factors That Affect Flood Insurance Costs in Utah

Prior to October 2021, the only factor influencing insurance costs was the property's general location. You can refer to the FEMA website tool to identify the historical flood risk of Utah and find in-depth information. Wasatch County has seen the least flood events in Utah, only two, and the average insurance cost is $617 per year. The county with the most flood events in Utah is Washington, with 144, where it costs around $762 per year for flood insurance.

Washington County may have a history of the most flooding in Utah, but it is not the most expensive county for flood insurance. That could be because of its size, where flood events are spread out over a large area.

Risk Rating 2.0

In October 2021, FEMA implemented a new flood insurance pricing methodology called Risk Rating 2.0. Rather than relying solely on flood maps, it determines flood risk by a variety of factors and data sources. Multiple flood types and frequencies, distance to a water source and property characteristics, such as elevation, construction and foundation type and home value, are among these factors.

But location may still play a huge part in flood insurance costs in Utah, and your location can heavily influence your premium. Find the notable factors driving flood insurance costs in Utah below.

  • building icon

    Flood Risk

    Individual rates are determined by the new risk rating system. That means that your neighbor may not face the same flood risk or costs as you. And if you live in a moderate or high-risk flood zone, you can expect to pay more than someone in a low-risk area.

  • insurance2 icon

    Coverage Type

    Rates will vary depending on the amount of coverage you obtain, as with any insurance. Expect more comprehensive coverage to be more expensive than less coverage.

  • wallet icon


    A higher deductible can help you save money on your insurance. Flood insurance buyers can select a deductible of $1,000 to $10,000. However, keep in mind that you will be responsible for paying this amount should you end up filing a claim.

  • garage icon

    Age of Structure

    Because their systems are often outdated, older buildings are more vulnerable to risks. Insurance premiums are often higher for them.

  • mortgage icon

    Structure Design

    Your flood insurance rate may be affected by the design and materials used in your property. Properties constructed with expensive materials will suffer higher losses, resulting in a higher premium.

Do You Need Flood Insurance in Utah?

Any property is vulnerable to flooding, making flood insurance a worthy investment in Utah, and the provided peace of mind is worth every penny.

Although Utah is not at high risk for floods, anyone in a high-risk zone with a government or lender mortgage must have flood insurance. But for others, flood insurance can still offer a layer of protection from big expenses since homeowners and renters insurance often does not cover flooding. It also offers better financial assistance compared to federal disaster assistance and pays out even without a disaster declaration.

Frequently Asked Questions About Utah Flood Insurance

From the average cost of flood insurance in Utah to the factors that affect it, this FAQ covers what you need to know.

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.