Storms, floods and disasters in Sun Valley
Sun Valley isn’t graded for hazard risk: Sun Valley is a Census area inside a town, graded with the town. Flood insurance has paid 4 claims here since 1996.
What Sun Valley faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Hurricanes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
Does Sun Valley flood? Rarely: 4 flood claims since 1996
Every paid claim on a federal flood insurance policy in Sun Valley, from FEMA’s records.
- Tropical Storm Ivan1 claim · $29K
- Hurricane Isabel1 claim · $8K
Sun Valley isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Monroe County.The storms Sun Valley remembers
None of the 15 disasters declared for Monroe County shows FEMA aid or repair money reaching Sun Valley itself in FEMA’s records, so these are its biggest flood-claim years.
- 20032 flood claims paidNo declaration for the county that year
- 19961 flood claims paidThe year of Severe Storms and Flooding, declared for Monroe County
- 20041 flood claims paidThe year of Tropical Depression Ivan, declared for Monroe County
Monroe County has had 15 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Sun Valley after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Sun Valley archive →Sun Valley and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Indian Mountain Lake | — | a Census area inside a town; graded with the town | |
| Sierra View | — | a Census area inside a town; graded with the town | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Sun Valley faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Sun Valley
Does Sun Valley flood?
Flood insurance has paid 4 claims in Sun Valley since 1996, $57K in all. The most claims came from Tropical Storm Ivan (1).
Is Sun Valley in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Monroe County, 20% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Sun Valley?
FEMA’s Community Rating System list shows no discount for Sun Valley’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Sun Valley?
By flood claims, Tropical Storm Ivan: 1 paid, $29K.
Storm stories
Memories, warnings and help from neighbors in Sun Valley.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Sun Valley’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.