Property Atlas

County hazard profile

Utah, UT

Utah · pop. 659,138 · FIPS 49049

Relatively High
FEMA risk rating · RATING
Lightning
dominant hazard
$288M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

higher than 89% of counties

national median $15M/yr Utah $288M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively High 95.32/100
national median ~50 among the highest nationally
Social vulnerabilityVery Low 10.62/100
national median ~50 among the lowest nationally
Community resilienceVery High 83.21/100
national median ~50 higher than 83% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Utah

The National Flood Insurance Program has paid 105 flood-insurance claims totaling $505K in Utah since 1979. The costliest year was 1983 ($216K paid).

Flood-insurance dollars paid by year of loss

1979: $204 paid 1980: $1,030 paid 1982: $660 paid 1983: $216,115 paid 1984: $87,886 paid 1985: $882 paid 1986: $11,316 paid 1988: $0 paid 1992: $0 paid 1993: $969 paid 1999: $0 paid 2002: $47,959 paid 2004: $0 paid 2005: $20,673 paid 2006: $0 paid 2007: $0 paid 2008: $11,836 paid 2010: $4,513 paid 2011: $2,528 paid 2012: $0 paid 2013: $34,349 paid 2014: $3,075 paid 2015: $2,529 paid 2017: $1,668 paid 2018: $28,233 paid 2019: $5,693 paid 2021: $967 paid 2022: $0 paid 2023: $17,731 paid 2024: $4,127 paid 1983 · $216K 1979 2024
$505K
total paid
$4,809
average claim
$56K
largest single claim
27%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Utah, UT and where it ranks among U.S. counties. It is not a verdict on whether Utah is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.