105 flood insurance claims·$504,943 paid·5 federal flood & hurricane disasters
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Utah County, Utah. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.
Flash flooding from summer thunderstorms dominates the flood risk profile in Utah County, accounting for 31 out of 36 recorded flood events over the last 30 years in the NOAA Storm Events Database.
Recent weather patterns demonstrate this active hazard mix. In March 2023, winter storms, precipitation, and snowmelt produced flooding and fatalities in a popular slot canyon. By May 2023, continued spring runoff from record winter snowfall combined with thunderstorms to cause road washouts. Later that summer, in June 2024 and August 2023, thunderstorms and deep monsoonal events brought heavy rain, hail, and widespread flash flooding to the region.
National Flood Insurance Program claims data indicates that homeowners and real estate agents in moderate-to-low risk zones—specifically Zone X, Zone X_UNSHADED, and Zone X_SHADED—should pay close attention to historical risk, as these areas account for a combined 71 claims with recorded water depths averaging up to 32 inches in standard Zone X. Meanwhile, properties located in Zone A face higher severity, recording an average payout of $18,441 across 28 claims.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
55% of Utah County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
62 NFIP claims with a recorded rated flood zone, 1978 to date. The zone is the one FEMA used to rate that policy, which may not match today’s map. Source: OpenFEMA NFIP claims.
In flood insurance claims here that reported a flood depth, the average was 13 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.
The worst year was 1983, with 19 claims and $216,115 paid, the year of Severe Storms, Landslides & Flooding.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
6 NOAA storm reports from Utah County describe what happened, in the words of the forecasters who covered it. Read the Utah flood stories →
12 federal disaster declarations since 1983, 5 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Flooding | May 1, 2023 |
| Ether Hollow Fire | Sep 7, 2020 |
| Knolls Fire | Jun 28, 2020 |
| Bald Mountain Fire | Sep 21, 2018 |
| Dump Fire | Jun 22, 2012 |
| Flooding | Apr 18, 2011 |
| Hurricane Katrina Evacuation | Aug 29, 2005 |
| Ut - Mollie Fire - 08/19/01 | Aug 18, 2001 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
36 since 1996: 31 flash floods and 5 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Aug 27, 2025 | $500,000 |
| Flash Flood | Jun 21, 2024 | $1,000 |
| Flash Flood | Aug 12, 2024 | $5,000 |
| Flood | Apr 30, 2023 | $50,000 |
| Flood | May 22, 2023 | $50,000 |
| Flood | Mar 15, 2023 | $40,000 |
| Flash Flood | Aug 3, 2023 | $1,000 |
| Flash Flood | Jul 31, 2021 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Aug 27, 2025. Showers and thunderstorms brought flash flooding to portions of southern Utah.
Flash Flood · Jun 21, 2024. Thunderstorms brought heavy rain, hail, gusty winds, and flash flooding to portions of southern and eastern Utah.
Flash Flood · Aug 12, 2024. Monsoonal showers and thunderstorms brought flash flooding and gusty winds to Utah.
Flood · Apr 30, 2023. Flooding in southern Utah caused a portion of US-89 to be closed.
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Utah County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.
Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.