Photo: JKBrooks85 · Public domainStorms, floods and disasters in Layton
Layton isn’t graded for hazard risk: Layton has 118 residents; we grade towns of 1,000 or more. Flood insurance has paid 69 claims here since 1998.
What Layton faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
Coastal flooding
River and rain flooding
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 Layton flood? Sometimes: 69 flood claims since 1998
Every paid claim on a federal flood insurance policy in Layton, from FEMA’s records.
- Hurricane Irma54 claims · $3.2M
- Hurricane Wilma6 claims · $209K
- Hurricane Georges (Keys)6 claims · $78K
Layton is in FEMA’s Community Rating System (class 5) for its flood-proofing work.
Insurance rates: Monroe County.5 federal disasters brought FEMA money to Layton
Disasters that paid out in Layton itself (aid to households or repair grants to the City of Layton), newest first, with that year’s flood claims.
- 2017Hurricane Irma37 households applied for aid$93K aid approved$15K to the City of Layton for repairs54 flood claims paid for it, $3.2M
- 2005Hurricane Wilma4 households applied for aid$2K aid approved$28K to the City of Layton for repairs6 flood claims paid for it, $209K
- 2005Tropical Storm Rita$2K to the City of Layton for repairs
- 2005Hurricane Katrina$13K to the City of Layton for repairs
- 2005Hurricane Dennis$4K to the City of Layton for repairs
Monroe County has had 35 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 2 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Monroe County, 1999–2001.
Old photos of Layton after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Layton archive →Get ready for what Layton faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- 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.
- 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.
- Layton residents get 25% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Layton
Does Layton flood?
Flood insurance has paid 69 claims in Layton since 1998, $3.7M in all. 2 properties have flooded more than once. The most claims came from Hurricane Irma (54).
Is Layton 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, 61% of homes in mapped flood zones carry federal flood insurance, and 58.2% of all homes do.
How much is flood insurance in Layton?
Layton is in FEMA’s Community Rating System (class 5), which takes 25% off federal flood insurance policies for its flood-proofing work. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Layton?
By FEMA money that reached Layton, Hurricane Irma (2017): 37 households applied for aid, $93K approved, and $15K to the City of Layton for repairs. By flood claims, Hurricane Irma: 54 paid, $3.2M.
Storm stories
Memories, warnings and help from neighbors in Layton.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Layton’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.