Fire and water rated home safes (2026)
A home safe for papers, passports, cash and drives should carry both a fire rating and a water rating: a fire rating on its own says nothing about water. This page lists front-opening safes and a large file chest with each rating exactly as the maker states it. These are document and valuables safes, not gun safes. Specs are from the makers' pages, read on the date in each card's notes; we haven't used these ourselves.
By Tom Calder · Updated November 9, 2026 · 6 products, 4 of 6 price-tracked
Our picks
SentrySafe SFW123GDC
The everyday size with a keypad
Photo: AmazonSentrySafe SFW205CWB
The most room: binders, a laptop and family papers
as of Nov 9, 2026, 11:40 AM ET · Details
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon.com at the time of purchase will apply to the purchase of this product.
Photo: AmazonSentrySafe FPW082HTC
A 1-hour safe for a closet shelf
as of Nov 9, 2026, 11:40 AM ET · Details
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon.com at the time of purchase will apply to the purchase of this product.Honeywell 1108
Hanging files with a 1-hour rating and deep-water protection
All 6 compared
| Safe | Fire rating | Water rating | Capacity | Lock | Weight | Price |
|---|---|---|---|---|---|---|
1. SentrySafe SFW205CWB Extra Large Fireproof Waterproof Safe, Combination Dial Best large fire and water safe UL Classified 1 hour at up to 1700°F · ETL Verified, 8 in of water for 24 hours · 2 cu ft · Combination dial · 124.8 lb The most room: binders, a laptop and family papers | UL Classified 1 hour at up to 1700°F | ETL Verified, 8 in of water for 24 hours | 2 cu ft | Combination dial | 124.8 lb | $397.99 at Amazon as of Nov 9, 2026, 11:40 AM ET · DetailsProduct prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon.com at the time of purchase will apply to the purchase of this product.In stockCheck price → |
Our verdictOur verdictResearched UL Classified for 1 hour at up to 1700°F and ETL Verified against 8 inches of water for 24 hours, with 2 cubic feet inside. A dial needs no batteries. Best for The most room: binders, a laptop and family papers Good
Worth knowing
Who shouldn't buy it: Don't buy it if you need something you can carry out: a fire chest or bag is portable. | ||||||
UL Classified 1 hour at up to 1700°F · ETL Verified, 8 in of water for 24 hours · 1.23 cu ft · Digital keypad · 86.69 lb The everyday size with a keypad | UL Classified 1 hour at up to 1700°F | ETL Verified, 8 in of water for 24 hours | 1.23 cu ft | Digital keypad | 86.69 lb | |
Our verdictOur verdictResearched The same 1-hour fire and 8-inch water ratings as SentrySafe's dial safes, in the popular 1.23 cubic foot size with a digital keypad. Best for The everyday size with a keypad Good
Worth knowing
Who shouldn't buy it: Don't buy it if you'd rather never think about batteries: pick a dial safe. | ||||||
3. SentrySafe FPW082HTC Fireproof Waterproof Safe, Backlit Keypad, Override Key, 0.81 cu ft Best compact safe UL Classified 1 hour at up to 1700°F · ETL Verified, 5 in of water for 24 hours · 0.81 cu ft · Backlit digital keypad + override key · 55 lb A 1-hour safe for a closet shelf | UL Classified 1 hour at up to 1700°F | ETL Verified, 5 in of water for 24 hours | 0.81 cu ft | Backlit digital keypad + override key | 55 lb | $199.98 at Amazon as of Nov 9, 2026, 11:40 AM ET · DetailsProduct prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon.com at the time of purchase will apply to the purchase of this product.In stockCheck price → |
Our verdictOur verdictResearched A 1-hour UL fire rating in a 55 lb body that fits a closet, with a keypad, an override key and a battery SentrySafe says lasts 5+ years. Its water rating is 5 inches, lower than the bigger safes. Best for A 1-hour safe for a closet shelf Good
Worth knowing
Who shouldn't buy it: Don't buy it if your area floods deeply: the SFW safes are rated to 8 inches. | ||||||
UL Certified 60 minutes at up to 1700°F · 100 hours, up to 1 meter (3.28 ft) · 1.06 cu ft · Key lock (2 keys) · 80.5 lb Hanging files with a 1-hour rating and deep-water protection | UL Certified 60 minutes at up to 1700°F | 100 hours, up to 1 meter (3.28 ft) | 1.06 cu ft | Key lock (2 keys) | 80.5 lb | |
Our verdictOur verdictResearched A top-opening file chest with a 60-minute UL fire rating and Honeywell's 100-hour, 1-meter water rating, the deepest here. It locks with a key, not a keypad. Best for Hanging files with a 1-hour rating and deep-water protection Good
Worth knowing
Who shouldn't buy it: Don't buy it if you want a front door and shelves: a SentrySafe safe opens like a cabinet. | ||||||
 2 hours at up to 1850°F (SentrySafe technical sheet; Amazon title says 1 hour) · Up to 8 in for 24 hours · 1.23 cu ft · Backlit digital keypad + tubular key · 128.2 lb Longer fire protection, if the 2-hour rating checks out | 2 hours at up to 1850°F (SentrySafe technical sheet; Amazon title says 1 hour) | Up to 8 in for 24 hours | 1.23 cu ft | Backlit digital keypad + tubular key | 128.2 lb | $286.99 at Amazon as of Nov 9, 2026, 11:40 AM ET · DetailsProduct prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon.com at the time of purchase will apply to the purchase of this product.In stockCheck price → |
Our verdictOur verdictResearched SentrySafe's technical sheet gives this safe 2 hours at up to 1850°F and 8 inches of water for 24 hours, but the Amazon listing says 1 hour. Either way it's fire and water rated; check the rating on the label when it arrives. Best for Longer fire protection, if the 2-hour rating checks out Good
Worth knowing
Who shouldn't buy it: Don't buy it if you want a rating you can confirm before you buy: the SFW models' ratings match everywhere. | ||||||
 1 hour at up to 1700°F (UL rated) · Waterproof seal; no depth or time rating stated · 0.94 cu ft · Combination dial + 2 override keys A mid-size 1-hour safe with a dial | 1 hour at up to 1700°F (UL rated) | Waterproof seal; no depth or time rating stated | 0.94 cu ft | Combination dial + 2 override keys | — | $295.95 at Amazon as of Nov 9, 2026, 11:40 AM ET · DetailsProduct prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon.com at the time of purchase will apply to the purchase of this product.In stockCheck price → |
Our verdictOur verdictResearched A UL-rated 1-hour fire safe, 0.94 cubic feet, with a dial and override keys. First Alert gives no depth or time for its waterproof seal, and the combination can't be changed. Best for A mid-size 1-hour safe with a dial Good
Worth knowing
Who shouldn't buy it: Don't buy it if you want a stated flood rating: SentrySafe's SFW safes give 8 inches for 24 hours. | ||||||
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Before you buy
Read the rating, not the word 'fireproof'.
Look for a time and temperature (1 hour at 1700°F) and who verified it (UL, ETL).
Water: SentrySafe's SFW safes are rated for 8 inches of water for 24 hours, the FPW082HTC for 5 inches, Honeywell's 1108 for 100 hours at up to 1 meter.
First Alert gives no number for its seal.
Size: check the inside dimensions on the maker's page against what you'll keep in it; capacity runs from 0.81 to 2 cubic feet here.
Lock: a dial needs no batteries; a keypad is faster but needs batteries and usually has an override key.
Weight: these weigh 55 to 128 lb.
Heavy is good for staying put, but check the floor and how you'll get it in place.
Keep digital copies too, and keep a set of copies in your go-bag.
We verify every product's specifications against at least two independent sources, re-check its US price and stock on a schedule where we can track it automatically, and cross-check safety-relevant claims against official guidance. Every review is labeled Researched or Used and reviewed by us: where we've bought a product, or been sent it free, and used it ourselves, its review says which; where we haven't, our verdict is a considered spec-and-evidence comparison, not a hands-on test. When two products are close, commission can decide which one we pick. A clearly better product always wins. Read our full methodology →
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Common questions
What does UL Classified 1 hour at 1700°F mean?
The safe was tested to keep its contents protected for 1 hour in a fire up to 1700°F. First Alert's manual for the 2087F says its interior stays below 350°F for one hour in a fire up to 1700°F.
Will a fire safe protect USB drives and hard drives?
Not necessarily. Master Lock says to check whether a safe is verified to protect digital media.
Is a fireproof safe waterproof?
Only if it has a water rating. Check the depth and time: SentrySafe's SFW205CWB and SFW123GDC are ETL Verified for 8 inches for 24 hours.
Are these gun safes?
No. These are safes for documents and valuables. SentrySafe's technical sheet for the STW123GDC says it isn't for firearm storage.
Sources (5)
- Master Lock: 5 things to know about your safe's fire rating (350°F interior, digital media)
- SentrySafe: SFW205CWB
- First Alert: 2087F manual (interior below 350°F for one hour)
- Honeywell: 1108 file chest
- Ready.gov: Build a kitcopies of important documents saved electronically or in a waterproof, portable container