Flood & Natural Disaster Information

Causes of Flooding in Ketchum: 

Flooding happens when climate (or weather patterns), geology, and hydrology combine to create conditions where river and stream waters flow outside their usual course and overflow their banks. Development can also constrict natural stream flow and contribute to seasonal flooding conditions, especially when built impediments cause waters to back up. Flooding generally occurs in the spring when large snow pack in the nearby mountains melts quickly, especially in the presence of frozen ground and rain. Wildfires, development in the floodplain, loss of riparian vegetation, and channelization of the stream banks has also led to increased flood hazards in our valley.

Flood Insurance: 

The City of Ketchum has participated in the National Flood Insurance Program (NFIP) since 1978 which allows all homeowners, whether in a floodplain or not, to purchase federally backed flood insurance for all structures. Flood insurance is not included in a standard homeowners’ insurance policy. There is a mandatory 30-day waiting period before coverage goes into effect, so action should be taken now before spring runoff begins.

• To get flood insurance, contact your local insurance agency or FloodSmart
• All NFIP policies have the same premium. However, as with all types of private insurance policies, the premiums, coverage, deductibles and waiting periods will vary depending on the insurance provider.

Changes to Floodplain Mapping: 

The Federal Emergency Management Association (FEMA) is undergoing an update to the Wood River Valley’s Flood Insurance Rate Maps (FIRMs) as part of their RISK Map program. This process may change the type of floodplain your property is located in and may change the way you choose to insure your home or property. FEMA has issued draft maps that are available upon request.

Flood Safety – Before a Flood: 

There are ways to modify your existing building or your property to minimize flood damage, which may require a Floodplain Development Permit, in addition to a Building Permit.

Prior to a flood, all property owners within the floodplain should do the following:

• Before you build on, alter, regrade, or place temporary or permanent fill on your property, contact the Planning and Building Department
• Keep all gutters and drains clear of debris
• Secure or remove unsecured items, such as patio furniture, planters, etc.
• Photograph and inventory personal property for insurance purposes
• Locate valuable household items and key documents in upper stories of home or business
• Prepare an evacuation plan that includes a meeting place outside the home and an escape route out of the floodplain and away from flood waters

Red Cross checklists are available in English and Spanish.

Flood Safety - In an Emergency: 

If flooding is imminent, affected residents will be notified by a reverse 911 telephone call. The Emergency Alert System will broadcast warnings via local radio stations KECH and KSKI, and via email or text to those who have signed up for the service through the Blaine County Emergency Alert Program. The city will respond to life safety emergencies and protect city property and infrastructure during a flooding event. The city does not have the resources to assist individual property owners in protecting structures from floods or pumping water from basements. The city may issue an Emergency Streambank Stabilization Permit to assist in the protection of structures during a flooding event.

Heed flood warnings: 

• A flood WATCH means flooding or flash flooding is possible in your area
• A food WARNING means flooding or flash flooding is already occurring or will  occur soon in your area
• When a flood or flash flood warning is issued for your area, head for higher ground immediately 

Stay away from flood waters:

• Just 6 inches of moving water can knock you over, and 2 feet of water can sweep your vehicle away
• If you come upon a flowing stream where water is above your ankle or across a flooded road while  driving, stop, turn around and go another way
• Avoid camping or parking along streams, rivers and creeks when there is a risk of flooding

Create and practice a Disaster Plan:

• Ensure that everyone in your family knows what to do if a flood occurs 
• Discuss travel routes that are not prone to flooding
• Decide where to meet and who to contact in case of flooding
• Assemble and maintain an emergency preparedness kit, including fresh water, non-perishable food,  flashlight, batteries, cash, important documents, medications and first aid supplies
• Make a plan for evacuating people who need assistance, and pets

Protect your Property:

• Consider buying flood insurance; there is a 30-day waiting period for flood insurance to take effect
• Place sandbags/aquadams in close proximity to the structure; sandbags/aquadams on the riverbank or along property lines or public streets are not permitted
• Do not empty used sandbags into the river or creek; dispose of them in a proper receptacle 
• Pumping water from your crawl space into your private property is permitted, it is not permitted to pump water into the river, city sewer system (manholes), or the city right-of-way
• Streambank stabilization or removing a hazard tree requires a site inspection and emergency permit - call 208.726.7801

Prepare Your Home:

• Bring in outdoor furniture and move important items to the highest possible floor to help protect them from flood damage
• Disconnect electrical appliances; do not touch electrical equipment if you are wet or standing in water,  you could be electrocuted

Helpful Resources: